<prompt> Human: I have a solid plan going forward for the new year that would allow me to pay off the rest of my student loans 20k within the coming months.I can stop contributing to my savings at my current rate and instead contribute it towards loan payments which would allow me to close off my loans in 4 months. My other option is to continue saving at my current rate, which would simply push back the time to payoff by around 2.5 - 3 months.I have a solid enough emergency fund that I wont be overly concerned about something happening and me not being able to fund it within the next 6 months. The main considerations include the fact that the money I contribute to savings can be making money while Im still paying the loans off vs. me simply having 0 debt and picking up on my savings after that is done.What would you do?Update: Savings in this situation is referring strictly to my saving for a future goal Goldman Sachs online banking with 1.05 APY. My emergency savings is funded and my retirement savings will be maxed out for the 2017 year with the bonus Ill receive in a few weeks. I think the math is telling me to pay off the loans before going back to my savings contributions. I didnt note before, but Im 25, so I think Ill have a decent amount of time to recover from the time Ill dedicate to paying off these loans and not saving. Also, the loans are a combination of federal student loans with the highest interest rates being 6.25. Assistant: the money I contribute to savings can be making money while Im still paying the loans offSavings make at best about 1 right now. Your debts are probably a higher interest rate. Since you already have a good emergency fund, go ahead and pay off the debts.Human: If youre willing to put in a little work you can get 5 up to 20k. Google 5 savings accounts, I forget the name. There were 2 that did it recently. You have to do something like 12 debit transactions and what not.. some people just buy 12 minimum Amazon gift cards at around 1 apiece.Assistant: Are those types of offers actually legit?? Ive seen some similar offers but always thought they were a bit scamm-y for me.. Any non-horror stories about them definitely would have ben interested in doing a bit more research.  <response>: Be forewarned there are a lot of hoops that will have to be navigated to get what theyre offering. Your safe bet that will still save you money would be to pay off the debt. 