<prompt> Human: Quick run-down: - Mid-twenties, single- 80k salary- 40k in 401k- 11k in Roth IRA- 20k in savings- 35k of private student loans some at 4 and the majority at 3.88As far as Im concerned I have a LOT of student loan debt. I dont like having such a big red number on my financials. I could have them paid off within a year, but when it comes down to it, Im just not seeing an advantage to throwing so much cash on it to save on the interest.Simple example, 4 interest on 10k is 400 a year assuming Im paying just interest every month, which Im not. 400 is significant, and over several years is a lot of money - but it would take forever for me to break even if I moved 10k of cash to my student loans right now and saved the interest payments I would have been making from this point on. As someone who will probably want to buy a house in 5 or so years, doesnt it make more sense for me to keep saving and maybe investing in something that will give a better yield than to go to war on my student loans and throw all my extra income at them? Thanks for the advice.  <response>: That 20k in savings is earning you at most 1 in an online savings account vs. 35k in loans that are costing you 4. Without knowing how much house youre looking to buy or how much youre saving a month its hard to give solid advice, but I would probably pay down the loans and leave 8-10k in savings after your retirement accounts are maxed for the year which it sounds like they are for emergencies, then start building up your down payment again. 