<prompt> Human: Hi PFer, long time lurker here, and let me just say thank you for all the wonderful financial advice this subreddit has given me :So my situation is this: Im reaching a point in my savings account where I can fully pay off the remainder of my student loan debt, which will both be around 15k in a few months.At the moment, Im putting 500month towards my loan min is 240 but Im only able to pay double this time around because I got a new better paying job. Ive also been putting 1000 each month in savings. Student loans are overall about 6.8.What are your thoughts on cleaning out my savings to 0 so that I can finally get rid of this debt once and for all? Keep in mind I have no other debt, no car payment...etc. I also fully max out my Roth IRA and contribute to 401k at least to match.I wont have an immediate emergency fund but my 3 credit cards I do have Amex, master, visa have a total credit limit of 71k. So Im thinking that can be used as my emergency fund IF something bad happens hopefully it doesnt!Just not sure what to do at this point, I know my loan isnt too much, but I still feel chained to it.Any advice appreciated... Thank you all!!---EDIT: wow!!! Thank you all so much for your advice, this is seriously incredibly helpful for me, and in fact adds some validation to some tactics I wanted to do in the first place.A little background of this helps: Im 26, living in Los Angeles working as a UI designer for a tech company. Annual income is 100k. Rent at my apartment is 1400, and I also give my mom 200 a month to help pay mortage at my parents house. I have a decent car that doesnt break too often, but I do commute to work and spend around 50-60 on gas per week. I have no other debt besides student loans, I wiped out 10k in CC debt not too long ago which Im really proud. Max Roth IRA and contribute 401k up to match.What I think Ill do is keep 5k, throw 10k at the loan, and pay 1000month until loan is gone while putting 500month back into my savings... Essentially swapping the values. Then when its all done, put 1500month straight into my savings and I will no longer have the headache of giving sallie Mae my money!  <response>: You could put like 10K towards the loans immediately, and then put 1000 towards the loans each month and save 500 swapping the values around. That leaves you with quite the buffer in case of emergency, but you could still have it paid off in 6 months.Or just hold your Em. fund at 5k and put all 1500 towards the loans after the initial 10K. This would mean it would be paid off in like 4 months. 