<prompt> Human: My current loans are refinanced under one company with 5.8 interest. However, I took the 20 year plan to start because it allows me to save money for short-term savings and emergency funds. Now that I have saved up a decent amount of money, I would like advice on next steps to take to put me in a better position financially. Should I pay off 10-15k of my student loan debt with my savings? Should I take that money and invests in stocks? Or should I not touch my savings and switch to the 15 year plan and save little to no money each month?Note: On the 20 year student loan plan, its about 900 per month. After taxes and 401k are taken out, my bi-weekly pay check is about 1500.Thanks in advance to any and all help.  <response>: keep 6 months living expenses in cash or something else liquid with low risk. Create a budget Discretionary funds outside of the budget should go to the debt in extra payments. Paying down the debt is probably the safest route to go. The market can provide more return on investment over the long term but it has alot more risk associated with it. 