<prompt> Human: I have 5k remaining on my student loans that I have been paying off for 11 years with an initial balance of 32k. My loan balance was 20k two years ago when I started to make extra payments because I was, and still am, tired of having student loan debt. However, the 550mo payments I have been making have been a strain on my finances, and I would like some more breathing room in my budget. I have an emergency savings account with 5k in it and my husband has 4k in his. We also have a savings account for home expensesrepairs with 2500. A part of me really wants to empty the 5k from my savings account to get rid of the student loan, but Im worried about not having cash if I need it and it will take 9 months to replenish my savings. Would the satisfaction of not having student loans any more be worth the financial risk of not having the liquid cash for 9 months?  <response>: do you feel comfortable with your ability to cover an emergency if you pay off the student loans? if yes, then pay it off. if no, keep fighting the good fight, only 9 more months, 