<prompt> Human: 15k in Student Loans left. 4.9 interest rate. 32k in the bank. Should I pay it off lump sum?I make a decent salary, but high COL in my area. 6140 monthly take-home. 4500 monthly expenses. This includes 1500 into auto-savings, I count that as an expenseOverall relatively financially healthy.Wondering if I should just destroy this loan once and for all even if it means cutting my savings virtually in half.  <response>: yep, knock them out in one fell swoop, today, especially if you would still have a healthy emergency fund in reserve...then start to build savings back-up again andor move on to your next financial goal. 