<prompt> Human: Been with same company for 16 years so used part of my 401k in a 54 month loan split into 2 payments a month at 200.01 each for 54 months.Now have, depending on electric bill about 1000 cash to go towards food, gas and whatever else. My student load is at 8.25 from 16 years ago and still owe about 30,000. Would like suggestions on what to do with extra. Put in savings then put big chunk down on student loan, car payment, mortgage?Or just leave in savings for awhile?I tend to like to buy new tech so if I want something I can atleast save for a couple of months. Already have xbox one payed for as an example.I hear that you should keep your credit cards open but dont use. So I dont know if I should cut up and throw away.Any thoughts are appreciated.  <response>: Unless youre a doctor or a lawyer or something and even then... you should not still have 30K of student loans from 16 years ago! You have a debt emergency. That interest rate is relatively high as far as debt is concerned. Extra money should go towards this loan or the 401k. The 401k interest rate is probably low, but youre taking a risk. The balance is due immediately if you leave that employer. 