<prompt> Human: Hello all!After working hard, I just paid off my credit cards and have 5000 in my emergency fund. I have about 4600 left on my student loans that Im itching to pay off so I can be debt free. A few things are making me hesitant though:Im relocating in three months to another state with my boyfriend he got a great new job there, so Ill have to find a new job and dont know how long that will take. Im already looking now. However, I will more than replenish my emergency fund before that happens if I do pay off my loans.Over the next three months, I should be able to put 1500 a month in savings plus a bonus plus my tax refund. All in all, I am anticipating to make 6,000 in the next three months. If I dont pay off my loans, thats about 11,000 Ill have just in case it takes a while to find a new job. My boyfriend can easily keep us afloat himself, for what its worth, but I want to be smart and not just rely on him. I will also need to purchase a new to me car soon - mine is now 16 years old, and while its going strong right now, I know that the next time something happens it will probably cost more to fix than the car is worth. With this information, which is the financially smart thing to do? Wait and hold onto the money I have, or pay off the loans?  <response>: Emergency fund 100. That interest isnt go to cost you so much in the time period it takes to settle from the move. Trust me, I move a lot and having cash on hand especially with such an old car is so important. Assuming everything goes smoothly for you, you still have the money to pay off the loan. If you pay off the loan, and end up needing the money youll have to tap into a high interest credit card. 