I just finished my junior year of college with one more year to go. After undergrad I'm planning on going to graduate school immediately, which will be free - either covered by university funding or by my employer. My question is: I have extra cash right now and I want to do something with it other than let it sit in the bank collecting dust.
Assets:
Roth IRA $18,500 - 100% VTSAX (already maxed for 2015)
$8000 in checking
Car - I own outright (this isn't really an asset but it's noteworthy)
Debts:
$22k loan at 0% from my parents. Total expected debt after graduation is $40k. They refuse to be paid back until I graduate.
What would be the next thing to do with the $8000?