<prompt> Human: I have been struggling with this thought for a while now. My wife and I have roughly 80,000 in student debt, and roughly 12,000 in liquid savings. Our loans are as follows:1.3,170.57 5.352.5,242.33 3.155,242.33 4.253,061.94 6.553.3,351.88 5.752,432.51 6.554.18,225.52 7.755.8,946.49 3.155,468.71 4.254,474.40 5.353,480.08 5.759,627.19 6.55Current monthly take-home income 3,000 wife is looking for teaching job, working other part time jobs in the meantime hence the . We recently bought a house, and have run into several small issues that really add up in cost, so I would like to keep part of that liquid savings for those emergencies, and eventually create a secondary emergency fund for home repairs. Were both young and fresh out of college, so we do not have all of our finances nailed down just yet, but I am certainly trying to make an effort.Im just not sure if i should pay down some of the lower loan amounts or maintain the 6 month emergency fund - or should i lower it to a 3 month emergency fund? Im definitely torn on this decision, and thought I would seek advice from rpersonalfinance. Thoughts? Anything is greatly appreciated and sorry if I forgot any important info - let me know if you have questions, please. Thanks!Edit: The numbers that separate the loan amounts indicate sub amounts of the larger loan amount on the loan website.  <response>: Id save three months bare bone expenses for emergency fund for now and put the rest into loans. Then start cash flowing loans as fast as possible and be done, then increase emergency funds to six months. 