<prompt> Human: My husband and I have an emergency savings that is currently sitting at 12,500, with an end goal of 25,000. The only debt we have is my student loans, which total about 44,000. Theyre in military deferment right now but I still want to knock them down while I can. Whats the best way to work on both?  <response>: If you want to work on them both, put money towards both.I think the student loans are a more pressing problem, but thats up to you. When the interest clock does start ticking, you want that balance as small as possible. 