<prompt> Human: Looking for some opinions as I dont know if there is a clear cut answer. I was thinking about taking 5k of my 10k emergency fund and use it to pay off my student loans. I know most advice found on the site would say no but I have one twist; I own a home and if I lost my jobcouldnt work I would have zero qualms with selling and moving on with my life. I bought it at 46k and its appreciated to about 85k in my area coop unit , in last 4 months that is average selling price of units with exactly same specs. So mortgage, any left over student debt would be paid and I would bank a healthy amount. Basically, in the worst case scenario I feel covered .Current student loans is 10k at 6.550, and after paying for 5 years essentially very little payment going to interest. No cc debts other than mortgage and student loan.Any thoughts?  <response>: I own a home and if I lost my jobcouldnt work I would have zero qualms with selling and moving on with my life.An emergency fund is liquid and immediately available. Selling a house takes weeks, if not months. I have seen many people enter foreclosure, bankruptcy, and years of hardship because they used their house as their EF. Please do not do this. 