<prompt> Human: We are a family of three with 30,000 in student loan debt all in income based repayment and 1200 in credit card debt I have paid down about 1300 in the last four months with an unexpected stock grant and put as much toward it as possible with budgeting our groceries, gas, and other spending. Our emergency fund is at 3500 and Im Trying to keep it that way, but am swaying to pay off our credit card debt which would reduce our emergency fund to 2200 and up our credit score to good. We arent great savers. I save 50-100 per week. We save our entire tax refund and use that as our e.f. We usually have an extra 100 per week for excess which maybe isnt considered paycheck to paycheck? Though we used to have 0.00 and be negative previously at the end of the week. So, overall my question is: pay off the 1200 or keep the 3500 emergency fund since we save so little? Therefore, continue our credit card payments for another year? We dont PLAN to buy a house or car for at least 3-5 years barring an unforeseen circumstance. I feel like if we paid off the credit card I could put more to our student loans, but our emergency fund would still be barely over 2000.  <response>: If I were you, Id erase the credit card debt IMMEDIATELY. Then, you can start building the savings a bit more again. Then again, Im not you. 