<prompt> Human: Ive managed to work my original student loan balance from 62K down to 12,100 as a single lady on a crappy teachers salary. Yay, me! I currently have 14,500 in a savings account and a 10,000 emergency fund in another savings account. Ill probably need to buy a new-to-me used car in two years or so my 2002 Civic is starting to feel its age, which would be around 8-9K. Is it OK to just pay off this loan at once, knowing that if my car completely craps out prematurely, I can get a new one with emergency fund money and then get the fund back up to 10K later? I should add that I contribute 200 a month to a Roth IRA and about 600 a month gets contributed to my 401k, so Im doing fine on retirement savings. Take-home pay is around 3300month.  <response>: Unless that 14.5k savings is earning you more interest than your student loan is costing you... then yes, absolutely.Edit: And good job. It sounds like youve got your shit together. 