<prompt> Human: My loans are at 6.5 interest; 40k of it is accruing interest, the other 5k is uncapitalized interest accrued.I make like 40k a year, and save about 700 bucks a month. Ive saved 20k in about two years. I dont like having such large student loan debt, but I also feel like its throwing money into a bottomless pit to throw a large sum at it right now. For whatever reason, I like having it liquid more than I do throwing it at the loans. Now, what I intend to do is start putting all 700 of that into the loans now that Ive got 20k saved up, but I almost feel like I should use such a large buffer to try to invest in something that will make me more money so that I can pay the loans off quicker. Then again, anything like that would be a gamble.I guess my question is, should I put more of the 20k which is in a low-yield savings account into the loans, or is it ok to just keep the 20k as a rather large emergency fund and start trying to hammer away at the loans now? Or is there any reason to horde more cash and try to invest in something else, like a house or something? I dont think the latter is a very likely suggestion, but if anybody has any good ideas please let me know.Im a single guy who lives fairly frugally, Im just particularly risk averse.Thanks  <response>: Absolutely too much. get rid of anything over 3 interest. Paying off your loans is an automatic ROI of the interest rate on the loan. 