<prompt> Human: I have been paying down my student loan to the point where I only have 4800 left on the balance and while I currently have approx 12k in my savings account, I was recently laid off from my job. Should I continue to make payments I fortunately dont have a lot of expenses and was aggressively paying that loan down or should I get a deferment until Im employed again? Thanks for any advice!  <response>: Unemployment can be so unpredictable. If you have to survive off the savings you have remaining, and no payments are currently due, Id forgo paying off the loans. Hopefully this is just a minor blip, but you cant get that money back once its paid. 