re: Looking for advice on what to do with 12k

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Wait until you are a few months into your job. If things are going well, put that $12k against your loan.

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This, but until then, go to Campus Federal Credit Union and open up a Lagniappe checking account. You will earn 3.25% APY on balances up to $10,000 and receive unlimited ATM fee refunds nationwide. That's a quick easy way to make 3.25% without the hassle of investing and keeping it in your pocket in case you need it. You'll basically make $27 a month and have no fees of any kind.