<prompt> Human: Well folks, its been a little over two years, but Ive brought my student loans down from a high of 86k 11k in noncapitalized interest accrued during school so around 105k, down to 12,800.I had refinanced my student loan to a variable rate of 2.19 it currently accrues about 24 of interest per month. My minimum payment is 554 a month.At this point, I have enough cash on hand that I could just simply wipe it out. However, this would require me to wipe out most of my emergency fund. My emergency fund money is currently sitting in an FDIC bank account earning 5 interest through Netspend - one of those mega high yield savings accounts that require a little bit of legwork to set up.At this point, it seems like I should just let the loan ride, and simply keep paying the minimum while I earn more on that money through interest. However, a part of me is saying I should just simplify my financial life and just pay it all off now, then rebuild my savings. I was paying about 2500 per month into my student loans, so it wouldnt take me long to replenish my emergency fund. About 4 months would get me to a pretty comfortable 10 grand in savings.This seems to really put the personal in personal finance, but I thought Id ask the reddit community and see what your thoughts were.Note: I already max out my 401k, Roth IRA, and HSA.  <response>: I wouldnt dip below 3 months expenses in your emergency fund. If youre really getting 5 theres not much reason to pay down a 2.19 loan. 