<prompt> Human: If I have 15,000 in student loans upon graduation along with a job that pays about 50,000, would it be smarter to try to pay the 15,000 off in a year or even 6 months grace period to minimize that amount of interest that I would be charged or drag it out and use the money to invest?  <response>: Pay it off as soon as possible, get used to living on that tight of a budget. In the meantime, spend a little money and a lot of time learning all you can about investing. Call this period of time, your grace period. When the loans are gone, live modestly as before and put the extra income to work for you acting on what youve learned so far. Raises and adjusted standards of living should be approached in the same consistent, conservative way. This advice is only my 2 cents.Good Luck, Reddit Rocks, thank you and goodnight. 