<prompt> Human: Hi all,Im 24, and I have been able to save a decent emergency fund 18K, about 9-10 months of expenses, and now Im thinking it might be time to get ahead of my student loan debt 22K, all Federal loans between 3 and 5. My monthly student loan payments are a manageable 250. Is my emergency fund too large, and should I consider other savings before paying off the debt?Other relevant stats:Monthly Post-Tax Income: 2600Monthly Expenses: 1600-1800Retirement Savings 403b: 12 unmatched employer contribution 400moThanks!Edit: My savings are in a 1.85 interest savings accountEdit 2: Hi all, thanks for the feedback.What Im thinking of doing is paying off my student loan with 5 interest currently 9.2K, and then applying that 120mo payment towards additional retirement savings. All other loans are 3, and with my current savings rate I would probably be able to get ahead of those in the next year or so.  <response>: I feel like 9-10 months of expenses is a lot. I would go more like 3-6 months. But thats just my opinion. Edit: you can even break it down a bit. Do a small emergency fund for 1k and then the large one for 3-6 months. Or whatever amount of months you deem necessary. 