<prompt> Human: My husband and I make 165KYear jointly. I make 8K more and we each contribute a percentage of our income into a joint account for bills and savings. Within the past two years, we saved and paid off for a medium sized wedding, had a baby and bought a house with 20 down, and are now paying for daycare in a high cost area the Bay Area. we managed to save a bit every month not as much as Id like and have about 10K in our savings right now. Initially, the plan was to put our tax return directly into our joint savings since wed like it to be much more than whats in there now. But I looked at my loans from grad school 55K total, 30K at 5.8 percent interest and asked husband if we can use a large portion of our tax return to pay down my loans.It feels a little selfish of me to ask, even though as a married couple, my money is his and vice versa, so paying down my loan should be good for the family. My husband didnt seem enthused and has asked time to think about it. We have mortgage payments and a car payment at 1.3 interest, not other debt. So my student loans are the highest interest debt we or I have. Is it a good idea? Or as a family of three, is it better to pad our savings more before trying to aggressively pay down my loans?  <response>: This is more a relationship advice issue rather than a financial oneYes, you should likely use the tax return to pay off your student loans. Youre getting a return equal to whatever the interest rate on the loans is 