<prompt> Human: i was hoping for some advice on paying off my student loans as quickly as possible. here are my stats:Take home income: 1200 monthExpenses: - Maybe 200 month for food, car insurance, and gas. I still live at home so i dont have to worry about rent.Student loans:7k at 5.97.5k at 4.665.5k at 3.99k at 3.4minimum monthly payments are 300 a monthSavings: 16k in a savings account, 3k in cashAdditional info - i just bought a used truck for 8500 in cash that could probably be flipped for about the same price as i paid if necessary.Why i am coming to you all for help: I am not comfortable completely emptying my savings accounts. I also would prefer not to sell the truck because it is semi critical to my future business plans but can if its absolutely necessary. If i wanted to keep a minimum of a few thousand dollars in my bank account as a safety net at all times what is the best strategy for paying off my loans? Should i pay one big lump sum and then make the minimum payments after? Should i pay 1k each month for three years? should i be concerned with building credit? if so, whats the best way to build it?Thanks!  <response>: Pay off the highest interest debt first in this case, the 7k 5.9, then the next 7k 4.66, then the next 5.5k 3.9, then the next 9k 3.4. That strategy will net you the least amount of interested paid over the long run.As to how much, thats really what youre comfortable with. Just remember that any lump sum you pay isnt going to come off your monthly payment, itll come off the end of the life of your loan. So, youll still be paying the same monthly payment for each loan.If it were me, heres how I would do it: Your monthly expenses are about 500, so a 6 month emergency fund for you is about 3000. Id double and maybe even triple that because of you vehicle and just because really, so leave back 6,000. Id then take 10k and pay down the 5.9 loan completely and part of the 4.66 immediately. With that, Id still have 6000 in the emergency fund, plus another 3000 in savingscash. Id then continue to put at least double the minimum each month on those loans, so 600mo towards the remaining balance of 19k. At that rate, theyd be paid off in a little under 3 years. 