<prompt> Human: Really hope this isnt an FAQ.38F, Married RN, 2 small kids. I make more than my husband me approx 105Kyear, him approx 55K.I owe the following:21K in student loan debt at 3.1 interest5K in credit card debt at 0 interest3K in car loan debt at 3.1 interestWe have a mortgage, but payments are manageable and not too relevant here.I have 9,000 saved at Ally and have retirement savings and college plans going. With the savings at Ally, I could pay off all my credit card and all my car loan today and roll that money into a student loan payment that would have me debt-free in 25 months. Doing so, Id still be able to save about 1000month back at Ally. After the 25 months--given that no major new expenses arise--Id be able to save 1810 total monthly at Ally.However! Since the loan interest rates are so low, wiping out my emergency savings to pay them off seems irresponsible, especially with kiddos on hand. Im really, really tempted to just hit the pay off button. Does anyone have any advice?  <response>: if 9k is the only emergency fund you have, keep it in savings. use your monthly income instead to pay off the debts as fast as possible if you wanna get rid of them. dont drain the savings for such low interest debts thatll be gone soon anyway. 