<prompt> Human: 24 years old18K in liquid savings13K in Roth IRA12.9K in student debt4K in Bitcoin probably frowned upon around here, but have been up 150 this year.I make 52Kyear gross.700 rent, 150 car insurance, 100-125 utilities, 215 car loan, 150 student debt. Still on parents insurance mother gets insane prices and luckily their phone bill as well forever grateful, trust me.765 credit score.Ive been saving onto my savings for quite some time now, but I merely did it out of comfort. Now, a part of me feels its time to let it go. I want to eliminate all student debt in a one time payment, and move on. Every time I go to do it, I hesitate and ponder how much time it would take to save up those savings yet again.Im debating as to if the feeling of being debt free triumphs the comfort of having those savings, which are merely doing nothing.Anyone else have this type of psychological barrier?  <response>: You got the funds to pay it off and still have enough for a emergency fund and think just how fast you will be able to build your wealthsaving back up with no student loans! If nothing else pay half this month and then half next month. 