<prompt> Human: Howdy yall, title says most of it, but heres some background info: Im 24, and graduated college 8 months ago. I was lucky enough to have a salaried position lined up that I moved out of state for that nets me 70Kyear pre-tax. I live in a relatively OK part of Maryland Its ok AFAIK, Ive only been in this state 7 months. Im obligated to 350mo for my student loans, and 200mo for my car which will be satisfied by Dec. hopefully! and thankfully no credit card debt. After bills and rent, I can somewhat comfortably put away 500mo into savings. My question to yall is this: Should I toss more money at my student loans to the tune of maybe an additional 200-300 and pay them back sooner, or stay the course and continue building my emergency fund?  <response>: Im no expert, but while its nice to pay down debt its also nice to have some funds that are available. Why not an extra 100 or so on student loans, and the rest into your fund? If it was me I would pay a little more than required and do a mix 