<prompt> Human: Im 20, will be 21 this December. Im an unemployed university student that pays for school through loans from the Fed and my parents. Fed paid for my first year of university. Parents paid for last year, and are paying for this year. After this year, Ill be taking loans again from the Fed. They also pay for housing Ive done the math. Ill roughly who the Fed 60,000. And my parents about 35,000. Now, Im not planning on dealing with that until I graduate and have a job about the age of 24.Now, with all of my other expenses paid, I also receive approximately 160 a month, spending only 25 a month. The rest I save by putting in two savings accounts one with Chase and the other with Barclays.Im expecting to have roughly 1200-1300, this time next year. I was initially saving up to buy a badass gaming laptop. But after taking a PF course this semester, Im considering investing it. Id like something with a decent amount of yield returnHeres what I was considering:1. an IRA.2. a money market account.3. stockThe thing is I dont know if I should get a Roth IRA or Traditional, seeing as Im unemployed I dont know if I qualify for Roth since you have to pay taxes on it early.Money Market Accounts have seem to have such a poor yield from where Im looking at. Int. rates at .0I was considering online stock trading...but I dont know how.Anyway, I was just wondering what you guys think I should do. Especially if theres an option I havent considered yet. Thank you ahead of time for the help!Edit: Sorry. Got the numbers a little mixed up. its 60,000 altogether in loans that Ill owe. 35,000 of which Ill owe to my parents.  <response>: Heres what I was considering: 1. an IRA. 2. a money market account. 3. stockNone of the above. Start paying down your loans. 