<prompt> Human: I am 25 years old with 26k worth of student loan debt at a 6.55 interest rate. I can quickly cut that in half by using the money in my savings and investment accounts but that would leave me with no emergency fund. Is this my best option? At the moment, I am paying 1000 a month towards this loan the max I could possibly pay at this point in order to minimize the amount of interest I will pay in total.  <response>: but that would leave me with no emergency fund. Is this my best option? No.Dont put yourself in the situation where youd have no emergency fund. Youre paying off that loan at a good clip as it is, and youll be done in 2.5 years.Stay the course. 