<prompt> Human: Hey everyone. I recently got a hefty tax return due to circumstances last year that put me as head of household. Ive been really wanting to put away my student loan debt for years. I have a standard repayment of 120 months and Im currently at my halfway point at 60-61 months with Navient. I have approximately 5 loans totaling 11k with them with 3-5 interest. And a perkins loan with the state of about 2.5k with a 5 or so interest rate. I have about 10k in a savings and about 7k in my checking. I automatically put away 300 from my biweekly paycheck into the savings and that leaves me at around 1700 per check. I currently pay about 250 in loan payments monthly. My rent is 1800 with other bills totaling my home expenses around 2000. Then my credit card bill varies monthly but is about 1000 that I pay off immediately. This varies depending on how much I eat out, etc. I do not follow a budget although I probably should.I want to put almost everything away to my loans but Im not sure if thats the right move. My thinking was I could save about 1600 in interest over the remainder of the 5 years I have on the loans. The 250 I normally spend on monthly payments could be added to my savings to replenish what Ive spent. In just over a year Id be back to where I was. Alternatively I can just knock out individual loans over some months and see how things go.Im not really expecting to have big expenses in the near future like a wedding or buying a house. I would be exposed without a safety net for a bit though. I wanted to get some feedback on this route. Anything I should look at or ask myself before doing something like this?Sorry in advanced for the lack of specific numbers and if I am breaking any PF rules with this noob post. I am on mobile and I dont have them in front of me. I can repost later with specifics if needed. Thanks for reading!Edit: the refund amount was just over 6k and I included in my checking account.  <response>: I would pay off as much as you can without completely destroying your savings. Unseen costs can arise, and jobs can be lost, and in this case its good to have some savings. 