<prompt> Human: Hi all, I am trying to get some advice on my student loan situation. When I graduated in 2007 I came out with 116k of student loan debt. Luckily at that time I created a budget to pay off this debt in 10 years. Thankfully Ive been able to keep that budget going for almost 10 years now and Im currently down to a little less than 6k to pay off. If I continue with my regular payments, I should be all paid off by this September. However, since Im so close to this being over and its been something thats caused a lot of emotional and of course financial stress for the last 10 years, Ive tossed around the idea of just paying the remaining off now to just be done with it. The amount of interest I would save would likely be 130 or so, so thats not really the deciding factor. I feel like holding out might be a better option financially since Id have that 6k in hand and also be done with my student loans in September, but the emotional side makes me want to pay it off so I can finally say I did it and the nightmare is over.Should I go for it and pay it off now? Ride it out until September? Or do something else with that money that makes more financial sense than both options?Any thoughtsideas are appreciated!  <response>: Always keep an emergency fund and only use it for emergencies. If that savings is not your emergency fund and you arent saving it for something else, then go for it.Emergency fund is 3-6 months of living expenses. 