<prompt> Human: So, I have 13,000 saved up, but about 120,000 in student loans. My roommate told me to put that information on here so someone can tell me what to do with my money and save my life and the financial welfare of my childrens childrens children. He also said to mention that I have no credit card debt. Ready... Go.  <response>: Theres a very informative link on the sidebar ---I Have X ... What Do I Do With It?!Id recommend keeping at least 3 months worth of expenses in your savings account. Possibly more depending on your job securityor lack thereof. Id put the rest towards your loans with the highest interest rate. 