<prompt> Human: As noted in the title, Ive got about 87k in loans and make 110k a year. Currently have 7500 in a rainy day fund. Employer does NOT match 401k. About 34 of my loans are at 6.8 interest and 14 is at 7.9 interest all federal loans. Basic question is, should I be saving or should I simply throw all my discretionary income into loans? My basic plan at the moment was to continue to save and build into my rainy day fund, maybe get it to 10k, then put the extra money into my loans. Wondering if this is the correct play.Assistant: OP here. So should I stop putting anything at all into my rainy day fund?  <response>: Your rainy day fund should be based more on your expenses than your income--everyone who posts here will give you a different rule of thumb, but lets take an arbitrary one and say 3 months of expenses. Longer if you couldnt easily find a new job if you lost yours, and vice versa.So having no idea what your monthly expenses break out to, its tough to say whether you have enough in your emergency fund. But once you have enough in it that youre comfortable, yes, you should stop putting money there and start throwing it at the student loan debt--that has to be killing you. 