<prompt> Human: Serious Hey internet family, I have 41k in loans, 2 kids 4 and 1, and a wife. Have a house mortgage 1600. I am the one that works right now until the kids are older. Also I have about 65k in savings. My student loan interest is 6.5 and minimum interest accrued is about 250 per month. Do I use my savings to pay the bloody debt off? Why?  <response>: hell yes, thats 6.5 guaranteed return and still leaves you 24k in the bank... why not? 