<prompt> Human: Currently earn 45Kyear TAKE-HOME after taxes and benefit deductionsOwe 7,500 in student loan debt monthly payments are 150monthHave 20K in liquid savingsHave 4K in retirementTotal monthly expenses are roughly 700 I rent in my parents house so cheap to live hereCar is 11 years old with 50K milesIm in my 30s and this is my first full-time job. I was making peanuts prior to this job and dont have the greatest resume or skill set though I have an M.S. if that matters-didnt matter to a lot of places so am not very confident that if I got laid off, Id have an easy time getting another job, especially one that pays decently.Would it be better for me to spend my savings paying off my student loans, or should I wait until I have more money tucked away and more time at my job havent even hit the 6 month mark yet before I pay off my loans? Or should I keep making monthly payments?Im a bit nervous to part with that much of my savings in the event anything happens to my car or if I get laid off just paranoid because it was SOOO ridiculously hard for me to even get a full-time job in the first place. Also, it would be nice if I could have enough saved for a down payment on a house by the time my boyfriend finishes school. Thoughts?  <response>: Just pay it off. At your current expenses, you have over 2 years of savings and probably more than enough to completely replace your car if necessary. 