What is the most logical next event?

How to build wealth in your 20s
Pay more than the minimum on monthly loan payments.
Paying off college loans should be your top financial priority. While many people in their 20s plan to let their college loans linger while accumulating money in savings or checking accounts, this is not the wisest approach.
If you only pay the minimum amount each month and allow the debt payments to stretch out for years or decades, you'll end up paying thousands of dollars more than the amount of the loan. Since your loans will keep accruing interest, your top financial priority should be to pay them off.