<prompt> Human: I have saved over 25k in the past few years but I have neglected my near 25k in student loans. Im currently not paying it. Its not defaulted and Im making sure it doesnt. I know, very irresponsible of me. I understand that I have basically a zero net worth. I make only 25k a year with very low expenses. I dont have a degree. I am in a greatterrible spot I know.When younger I used loans basically as income. Im kicking myself because I cant even enjoy the thought of saving as much. Now I know I need to deal with it but dont know how to. I cant figure out the best way to handle the situation. Do I just pay it all and fight to save it again? Im in a situation where I have zero support group if something happens so this option scares me.Do I pay half now and then throw all extra money at it? Do I just make payment arrangements and keep my savings and pay it off in 5-10 years? But I know the interest will kill meon this option. I have other debts but Im not too worried about those. Its this huge monster that scares me. I already have a hand in my paycheck bill related. tl:dr - I have 25k in student loans and 25k in savings. I have lower income and low expenses but zero clue how to handle paying the loans off. New to Reddit, first post so bare with me.  <response>: You mention that you have no expenses so Id toss a nice bit of that savings at your loans and leave yourself an emergency fund. 