I have a choice of graduation gifts - nice earrings or money to pay off loans. What should I chose?

That's a tough decision. You've worked so hard to get yourself through school, it probably seems like you deserve something nice- like earrings. On the other hand, you do have student loans, and not having to pay interest on those for years and years to come would be a great blessing- in the long run.My thought is- if you are ready to buckle down and pay off your student loans, then take the earrings as your last splurge before you go back to work.

If you think you'll hold onto the loans for a while and enjoy your increased income (assuming your income increased) then take the cash and pay off some of the loans. GOOD LUCK! And congrats on graduating!

Pay off the loans! That way, a larger portion of your paycheck is "unassigned" - as in, not dedicated to paying off the loans. The earrings will be there later, when you can walk in and pay cash for them.

But if the loans are still outstanding, that's one more bill you'll have to work to pay off. If you go ahead and have it paid off, that's one less thing to worry about when you get your paychecks.

In this economic climate, I would go for the money to pay off the loans. Eventually, when you are debt free enough, you may be able to buy yourself the nice earrings.

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