<prompt> Human: Im 23 years old and a year and a half out of college. Ive managed to save 20k in savings in the first year of working. Originally I was planning on not touching it, adding to it, and eventually using it for a down payment on a house, or just as an emergency stash for whenif something comes up. Ive recently been thinking about putting it towards my 24k student loan debt. My husbands mindset is to keep the money and just accept the 275 a month for the next 9 years, but I am starting to think living debt free until were ready to buy a house might be nice. Thoughts?  <response>: Well first when your loan is paid off you wont have a min payment anymore and all that extra room in your budget frees up to rebuild your fund. Personally I would pay off any loans that are at 5 or more then will increase how much your minimum payment pays off the principal and isnt burned on interest. 