<prompt> Human: between myself and my wife, we owe 97k in student loans. We also have 97k total cash in the bank. I just calculated, and 73 of our monthly net income is free and clear.Do you continue to make payments till the end of time on the loans, or liquidate everything and pay off? Considering 73 is liquid, we can begin to recoup the savings, but that is A LOT of money. What is the smart thing to do?  <response>: If you arent saving for a house or other large saving goals. Id say pay a majority of it off, but keep enough cash liquid for an emergency fund. 