<prompt> Human: So Ill start with the background information. Im M24 recent graduate from a software engineering program. I have around 60k in student loans ATM. Ive done the basic suggestions like set up a budget, put money into my 401k, my health insurance is an HSA plan question on this later, Ive got some money 5k in my savings account, and through Northwestern Mutual I invest a small amount in a Roth IRA and WLI from reading here it sounds like I took these two options hook, line and sinker though.On to my real question. Im starting to feel like it might be a good idea to take maybe take 2k from my savings and put it into the student loans. Is this any kind of a good idea? My job is very stable, but I want to balance stability against the ever present danger of an emergency.So anyone can make the most informed decision heres a break out of the loans I have.Balance Interest Rate 3200 5.35 2200 6.55 4400 6.55 4000 4.25 2000 6.55 5000 3.15 2000 6.55 5000 3.15 6500 6.55 11,700.00 7.65 13,700.00 7.65 Also, one other question. Since my employer was recently acquired we changed benefits. I have a couple thousand dollars in an old HSA. Should I roll that money over into the new one? Can I do that without penalties? TLDR: Is it a good idea to dip into an emergency fund to pay down on student loans? Also, shouldhow do I roll over from one HSA into a new one?Assistant: Pay off your loans smallest balance to highest. Forget interest rate, you need to build momentum.Make the minimum payment on all loans but the one with the smallest balance. Pour every cent you have into paying that one off. Then roll the you were paying on that onto the minimum payment of the next smallest balance until its paid off. Then take all of that and add it to the minimum payment of the next, etc. Snowballing your payments will kill the loans faster and faster. You need to have a concise budget in place first in order for this to work and youve got to only pay the minimum amount on each of the other loans or youll be kicking these around forever.Human: My loans are through Great Lakes and they really are just exposing two accounts at the top level and Im making payments towards those two accounts instead of the individual loans that I listed. From what I understand the payment I make goes to paying the interest on all the loans, then by default they apply any extra to the principle of the loan with the highest interest rate.From what I think youre saying it might be better to get in contact with them and ask them to apply my payments to loans with the lowest balance?  <response>: Dont listen to this guy. Paying off the higher interest rates first is correct. Doing the smaller balances first is only for people who need the psychic crutch of feeling like they are making progress even though they are actually slowing their repayment down and paying more over time. 