<prompt> Human: Should I use my entire 10k emergency fund to wipe away my remaining student loans or save my emergency fund and finish the loans in a year or so time?  <response>: Its such a short amount of time, the interest wont add up to much. I think you should keep the loans and pay them off. You could even do a combination by using like 5,000 on the loans and then paying them off and having a smaller emergency fund for six months. 