<prompt> Human: Currently living back at home with my parents after college and i am finding myself in a situation with a bit left over from my budget each month. Here is my current situation, I would like some additional advice if i should take a more aggressive repayment on my loan or buffer up my emergency fund more.Some more background, im 23 years old, working at a small business, they dont currently offer any kind of 401k, I am still covered under my dads health insurance until im 26, he has state coverage that is pretty good.I am currently putting 10 into my emergency fund and 5 into long term savings, I have a Roth Ira through USAA. Im currently putting 36 of what I make into student loans, should I put more into that since I have extra or build up some more liquid assets? AssetsRoth IRA-5500Checking-5100Emergency Fund-1450Total 12050LiabilitiesStudent LoansSallie Mae- 18,300 8.75Federal Loans- 24,400 6.55 Highest some at 3.15, 4.5Total 42700Monthly take home after taxes- 2750Expenses-Student Loans-Sallie Mae Min-385Fed Min-280Extra on Sallie Mae-335Total- 1000Car Insurance- 60Cell Phone- 50Gym, and Spotify Membership- 35Gas- 100Long Term Savings- 138Emergency Fund- 275Groceries, Eating out, Entertainment- 125Total Expense- 1783Extra-967  <response>: Given your numberssituation, I would put every extra cent I had beyond emergency savings into repaying that 8.75 loan. 