Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to build wealth in your 20s [title] Pay more than the minimum on monthly loan payments. [step] 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.

Ending1: [substeps] 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. Ending2: Plus, you won't end up maxing out an entire paycheck just because you graduated high school. The major effect of reducing part of your monthly payment is that you'll lower your income even more over time. Ending3: You do not need to finance the entire amount of your college loans. You can make your payments in bulk, start them off at lower interest rates and save on car loans until your savings decrease is more manageable. Ending4: [substeps] Pay every dime you can on any home loan you set aside for all your payments, and check your monthly payments as soon as possible. Do not get caught up on loans in addition to the immediate income that you now have in savings.

Answer format: ending1/ending2/ending3/ending4