<prompt> Human: Hi guys,This subreddit has been a big inspiration for me, and Im making good progress towards my financial goals. Im finally in a position where Im considering wiping out my debt, but I want to make sure that Im going about this in the right way:Assets: 42k in Savings. 60k in 401k. 70k in stock 45k25k, OptionsRSUs, All Long Term Capital Gains. I work a job that pays a little over 6 figures, in a very good market.Debts: 78k in Student Loans - 68k through one lender, 10k through another. No other major debts other than my modest rent and living expenses, which dont factor into this.The plan: In January, I plan on exercising my available stock theres more, it just hasnt vested yet and dipping into my savings for the remainder. The reason Im waiting for January is so that I can maximize the amount of time I have to recoup any taxes thatll hit me on my 2015 return for cashing out the stock. Does this sound sane to you guys? Ive been so focused on Save to get out of debt that now that Im here Im worried theres something Im missing. If I can kick off 2015 debt-free, Im definitely set for the forseeable future.  <response>: Cut the savings account down to about 6 months of living expenses and put the rest toward the student loans now. Why wait? Other than that, congrats on being in a position to pay off those loans! I think your plan is good. 