<prompt> Human: My instincts tell me just reduce the debt too 55,000 which does a few things 1. Save a ton on interest2. Mentally, 55k puts less stress on me than 85k3. I can be debt free within 3 years instead of 5 But the typical response on this subreddit is put it in an emergency fund, and pay off your debt with incomeCan someone showcase why my idea is a bad idea?  <response>: Save enough to pay like 6 months of expenses in case something should happen to you or your job, throw the rest at the debt. 