<prompt> Human: I have student loans starting to be repaid at varying interests between 3.4-6.8. I have a good job in software engineering so want to pay as much as possible to knock down my loans.However, many people on this subreddit suggest budgeting a six-month emergency fund.With savings accounts typically at less than 1 APR, does that still even make sense to have thousands of dollars just sitting there when my loans are accruing greater interest?  <response>: Emergencies dont avoid happening while you have outstanding student loans. 