<prompt> Human: 71k at 7, and the rest at 5, currently at a 10 year plan. Should I be saving up for an emergency fund? Saving up to invest? Or should I be brute forcing my way through these student loans? Edit: Thanks everyone for the help. I appreciate it!  <response>: To the very wise answer above I would simply add that paying off your debt IS investing. You save 7 in interest on every dollar you pay off, which is basically the same as getting a 7 investment return. A safe, guaranteed 7 return in this volatile market is not bad at all- 