<prompt> Human: I have 150k in student loans and just graduated. With my wife and mys salaries, we will have 2,050 per month to put towards the loans while being able to pay our bills and be reasonably comfortable. At 2,050 a month, it will take 7.5 years to pay the loans off. I want to knock them out sooner and get them off our back. We currently put 500 a month into savings that could be put towards loans. Alternatively, we could keep putting 500 in savings and use some of our current cash to pay down some of the balance. We are saving up for a down payment for a house, so we cant just deplete all of our savings. What is the best way to pay these off quickly, while still being able to save up for a house down payment? EDIT: Below is a breakdown of the debt:40,995 at 7.89 in discover private loans 5,600 at 5 Perkins loan7,722 at 6.8 KHEEA loan37,934 at 6-6.8 in federal Stafford loans 24,600 at 4.29-4.66 in federal Stafford loans28,091 at 3.4-3.86 in federal Stafford loans  <response>: I would drop the 50K to an emergency fund of 3-6 months, then start directing everything at your student loans. 