<prompt> Human: I have about 35,000 in student loan debt. I have 11 different loans with interest rates ranging from 3.4 to 6.8. Ive paid down about 25,000 over the last three years and right now I am paid ahead for the next year. My normal monthly payment is close to 600. Currently, I have 30,000 cash in savings. My spouse and I bring home about 7,000 a month after taxes, health insurance, 401k, etc. Our monthly expenses are 3,900 including the 600 student loan payment. However, we also need to plan for worst case scenario, which would be our take home pay dropping to 4,300. Based on my current financial situation, should I be paying more of my student loan debt off? We are living comfortably for now, but that may change within the next year and my student loan balance is a constant concern. Is it better to squirrel away as much as possible while just paying the 600 monthly payment? Or should I use a big chunk of my savings to pay down the balance even more?  <response>: Yes, you take home 7000... and you said thats after health 401k. You guys make PLENTY. Knock the debt out in 1 year and just be done with it. Than when you situation changes than you wont be worrying about it.I honestly would throw 10,000 now, keep 20,000 for emergencies, than knock out the rest in 8-10 months. 