Is it currently accumulating interest or are you is it in deferment? If it’s in deferment set it aside in cd’s or HYSA until deferment ends and then pay off your loan. This way you can gain a little extra. Otherwise take a hard look at your expenses and try to get a 3 month savings set aside from the 20k and then use the rest on the loan.

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What’s the debt from and what’s the interest rate?

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If interest rate is low keep that “good debt” if it’s high pay it off asap but pls invest it don’t just let it sit there and do nothing

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