<prompt> Human: I have 134,000 in student loan debt. Its all consolidated into 1 federal direct loan with 7 interest rate. I have about 50,000 in savings separate from my emergency fund and money I need for living expenses. Would there be any downside to making 1 big 50,000 payment on the loan and then go back to making my regular payments about 2000month? Should just increase the monthly payment that Im making instead?  <response>: The only possible downside I can see and this may be a bit of a stretch is if youre worried about your job security and that your emergency fund isnt large enough to sustain you until you can find another job.Id say make the lump sum payment. That will equal almost 300 in interest accumulation you save every single month. Its worth it. 