<prompt> Human: Hey everyone, Im looking for some advice on what to do with the money I have in savings vs what I have in debt. Im 28, with a stable job and currently rent an apartment. I currently have roughly 11k in student loan debt 5,263 6.8 and 5,588 6.21 as well as a car note of 11,260 1.9. I have no other debt of any kind. I have a credit card, but it never carries a balance. In savings, I currently have 34,500 split between a savings and a money market account, as well as an additional 12,100 in my employer retirement account. As it stands, Im able to take about 750-850 a month and put it towards either loans or savings. Id like to start a family within the next 5 years or so, so I want to make sure Im in great financial shape when that day comes. My question really revolves around what I should be doing with my loans, the money I have in savings, and the money i make every month. Thanks for the suggestions!  <response>: Imagine it in reverse. Would you take out a loan for 11,000 at about 6 to add to your savings accounts? Probably not. Pay off your student debt NOW. Its robbing from your future. 