Here's the deal: 1. Med school is going to cost a little over 60k/year for me. 2. Financial aid is loans only (full amount of staff sub/unsub and then higher interest loans to cover the rest) 3. #2 is a result of my having about 150k invested in a trust fund in my name in a variety of mutual funds (this has been money saved up from the last 15 years). (My EFC is in the 30-40k range) 4. Parents paid for all of undergrad, so no debt there, but they aren't helping out for med school Would the best option be to use up the trust fund to pay for med school before taking out any sort of loans? I'd rather keep a nest egg however (retiring early, or at least not working alot when I get old is a goal of mine), and if the stock market continues to perform well this principal will become huge. Since education debt is "good" debt, then is it more wise to just to pay off as little now, so that I have a debt being built up in as an educational investment while maintaining my financial investment that has been slowly built up over many years? I know this isn't exactly a bad problem, but I don't know much about money and I don't know what to do!