<prompt> Human: Im in a position where I can pay off my student loans and start 2018 debt-free, but that would shave about 10 out of my emergency fundthe fund total is about 6 months rent, and I can recoup the loss within 2 months.Would it be over-eager of me to just pay it off? Are there any harmful effects of paying it off all in a lump? Is there any reason to keep making the regular payments?  <response>: that would shave about 10 out of my emergency fundthe fund total is about 6 months rent, and I can recoup the loss within 2 months.That seems pretty low impact.Saving on interest always helps you. 