<prompt> Human: Status: fully employed, making approx 45k.I have two loans:Car: 12k with 250 monthly payments. Very low interest rate.School: 47k 3k of that is interest that will become 500 monthly payments. Very low interest rate.I have 12k saved up, but really like having that in the bank. I could continue to pay 1 k a month from my paycheck rather than savings toward loans, that might be my ignorant preference.What are your recommendations?I will be moving out on my own now and I dont want to be rash with my savings.Edit:Thanks all, I think I will wait for my next paycheck for the end of August and then pummel the auto loan. The interest rates are about the same Im pretty sure 4, but then my minimum payments will go down. I will then continue to direct 1k a month towards lowering debt while simply maintaining rather than adding to savings.That would put me around 4 years to pay off my loans, but Im sure plenty will change by then: income, expenses, and so on.Thanks!  <response>: Very low interest rate.It would be helpful to have the actual numbers here. 