Rocco recently graduated and his student loans will come due in 6 months. Over the course of 4 years in college, he took out a student loan at the beginning of each school year. The first three were government subsidized and the fourth year was an unsubsidized student loan. He has a job lined up as a financial planner. He knows that until he builds his customer base, he will have a lower, entry level salary.

a. What should he do with his student loans and what payment option should he choose? 

b. What should he do with his student loans if he decides to go back to get his masters in two years?