<prompt> Human: Good morning all,Ive recently discovered the wonders of this sub, and have been...well...appalled at how much I didnt know about managing my money. So kudos to this community for just existing, and filling in the gaps for those of us who, for whatever reason, fell through the proverbial cracks.At any rate, I have a number of federal student loans serviced by MOHELA. My monthly payment to all of these is about 345.00. Heres how they break down:Subsidized Stafford 1- 2, 1603 1.75Subsidized Stafford 2- 2, 807 1.75Subsidized Stafford 3- 4,505 6.8Subsidized Stafford 4- 4,506 6.8Subsidized Stafford 5- 2,256 6.0Unsubsidized Stafford 1- 4,061 6.8Unsubsidized Stafford 2- 3,349 6.8Unsubsidized Stafford 3- 951.60 6.8Obviously, its not a debt Im happy with carrying, and Im trying to figure out a sensible way to attack it. Currently, I dont have much in the way of discretionary income Im paying for a masters degree out of pocket- I couldnt stomach taking another loan for it. And yes, the masters is necessary for Continuing Education Credits in my field.However, I do have about 12k in savings which I had accumulated as an emergency fund before I even discovered the term, so...I did that right, at least , plus about 3k in checking as a result of tax returns and such.My first thought is to go for the low hanging fruit and use the checking balance to pay off that last loan. Im hesitant about tapping the emergency fund to help with this, though- should I be? Or is the wiser course to throw some of that at this debt as well? For the record, no other debts- bought a used car and am renting at the moment...but thats another story.Any help the community can offer would be appreciated.Edit: The loans are in deferment. However, interest still accrues on the unsubsidized ones.  <response>: I would not deplete your emergency fund to pay off loans if you dont have a lot of disposable income to replace it. If you are in grad school you can defer the loans until after you graduate. Thats what Id do - then when you get a job start paying down the loans in order of interest rate, starting with the highest. 