<prompt> Human: I was lucky enough to get a large scholarship for college, so after I graduated I still had 20,000 in my college fund from working my ass off throughout high school. During my freshman year in College I fell in love and soon after grad was married. She has 17,000 in student loans.Its been a year since grad, and we both just finished up year long appointments and are momentarily unemployed, though since we didnt see our folks for a year and are the babies of our families, they are very happy to provide for us and our expenses are minimal. We have some furnishing etc. Anyway, the point is, her loan deferments are about up, our finances are totally merged at this point, so Im not worried about her running off after I pay the loans off. but is it a Financially wise decision?From everything I know, yes it is. stop interest from accruing etc. But it would leave us with 4-5 grand between us, and I thought it couldnt hurt to ask for advice.Thanks  <response>: Id personally say to find the amount that works as an emergency fund for the both of you, and any additional funds you have can go toward the loans.Keep in mind that, if you have student loan interest rates lower than 41 depending on your tolerance for risk, you may be better off investing your spare cash instead of paying down your debt. 