<prompt> Human: Based on the great advice provided in this subreddit e.g. via mackstann I have a general idea of what I should do, but I want to get some final advice and confirmation on my thoughts.Currently, I have too much in my savings, over 30K. I already have a Roth setup and a CD 15K. I match my employers 401K contributions. The only debt I have is my student loans 12K 6.25. With the money I have I need to: isolate my emergency fund, pay off student debt?, and invest the rest in a simple index fund.So, I guess its the simple question of do I just pay off my loans outright? I know I wont get a return greater than the amount of interest I pay on the loan so is there any reason I wouldnt want to pay it off? I admit I dont full understand the tax deductible part of student loan interest -- not sure how that factors into the equation.Age: 28Thanks for the help!Edit: Thanks for the advice. This sub-reddit is great and you guys are awesome for all the helpful advice and knowledge you share.  <response>: So, I guess its the simple question of do I just pay off my loans outright? Yes. I know I wont get a return greater than the amount of interest I pay on the loan so is there any reason I wouldnt want to pay it off? No good ones, no. I admit I dont full understand the tax deductible part of student loan interest -- not sure how that factors into the equation. Usually, you receive money from your employer as income, pay a portion of it eh, maybe 20 in taxes to the government, and use the rest 80 however you want. If somethings tax deductible, you can pay it from the money your employers giving you before its counted as income. However, your employer usually withholds an appropriate amount assuming you have no such tax-deductible expenses, so that 20 will still go to the government, and then when you file your taxes at the beginning of the next year, you can get that 20 back. For tax-deductible loan interest, it means a 10 interest rate would effectively become an 8 interest rate. 