<prompt> Human: I graduated in May with an associates degree and immediately found a job at 22hr. Over the summer I slightly inflated my lifestyle by renting my own apartment no roommates. In two weeks Im starting a new job at 38hr. I have 15,000 in student loans still in grace period 600 on my CC no interest 12 mo. My monthly expenses for rent, utilities, car, insurance and phone is roughly 1300. I want to build an emergency fund and pay off my loans aggressively and then invest in a vanguard fund or something. Should I build the emergency fund first because my loans are in grace period? or pay off debt first?Advise me PF peeps thanksEdit: also whats a reasonable amount for an emergency fund?Assistant: I wouldnt do the emergency fund yet. Pay off both loans while theyre still in grace period. The interest on the loans will likely outpace any gains you might get in a savings account or investments. Human: How aggressive should I be? I was thinking 3kmo towards student loans would wipe it out in 5 months? Any reason to be moreless aggressive?  <response>: As aggressive as you can afford it. I think that avoiding interest would be best so you dont have to pay more for your loans than what you borrow, but dont starve yourself to achieve that goal. 