<prompt> Human: My wifes student loan bills havent kicked in yet, but after she graduates in May she has six more months of deferment, then we have to buckle down and start paying them. We are hoping she will find a full time job by then so we can use her income to pay off the loans in 2-3 years.Job prospects dont look very good right now for her. My job is reasonably secure and unless I screw something up royally not likely my career will be fine. Heres the thing, getting that emergency fund built up was a big psychological win for me. I know that dumping 25k onto a 70k student loan would make a huge impact on our payoff time frame and total amount paid like, a 50,000 impact, especially if my wife isnt able to find a good job right away and were only able to fit a 20 year pay off plan into our single-income budget. Still, its hard to watch all that money disappear after working so hard to save it.We live in a high cost of living area that makes it difficult to pay off debts in leaps and bounds like other people seem to be able to do.I know it makes sense financially, I just needed a sounding boardpep talk.  <response>: Maybe drop it down to a 3 month emergency fund... but getting rid if it altogether good prove to be quite disastrous. 