Financial Advice - Pre-university

Hello

I’m aiming to have around £20,000 saved up by the time I start university (was working during sixth form, now working on a gap year). I’ll probably spend £5,000 on dumb ‘personal investments’ (travelling, braces, etc) leaving £15,000.

I’m not really sure what to do with my remaining money. I will be studying as a home student in London (27k + living fees across 3 years - lets approximate at £60k) with a student loan and no financial support from my family.

Should I 

a) Invest it into an index fund/bonds

b) Spend it paying off as much of my loan as possible straight away(probably chip £60k total debt to £40k debt after occasional work from uni)

c) Invest in myself further by purchasing courses (e.g WSP, TraderMath membership, GradTest tests) to help me break into spring weeks/internships

d) Keep it liquid for now (maybe an entrepreneurial opportunity appears?)

e) Secret option E that I didn’t think of (something not already listed)

Spending on dumb shit (partying) isn’t an option because my loan will cover that anyways IF I decide to do so.

Appreciate it monkeeys