<prompt> Human: Im getting approximately 2.5k back after completing my 2012 taxes. I graduated last May, have a job 58k annual and student loan debt of approximately 30k, broken down as follows: 13k 5.5 10k 6.5 7k 6.0Should I dump it all on one loan, or spread it out? Or something else? I also have approximately 2.5k in savings. ThanksEdit: Looks like I should be adjusting my withholdings. I dont know the first place to begin on that - so as an amendment to my initial question, how should I adjust in order to keep more of my money? Im single, dont have any income other than my salary, am paying off a significant portion of my loans this year... Help?  <response>: 1. Save 3-6 months of expenses as an emergency fund2. Highest interest debt first3. Adjust your withholding 