<prompt> Human: Things to consider: Loans are at roughly 7.5 combined interest Baby on the way No paid maternity leave Right now we can save 2000 a month while making 2000 in loan payments.  <response>: Keep paying the minimum until the baby is home and everyone is healthy. During that time put the extra money away in savings. Once everyone is home and no problems then pull that money out and pay off this loan in full. 