<prompt> Human: I recently got a new job after being unemployed for 4 months. I have 12,000 remaining in student loans with a 6.75 interest rate. Ive never opened up an emergency savings account but am considering putting in 5,000, which is 3 months worth of savings in my high cost-of-living area. The idea of having micro FU money sounds nice.At the same time, Id like to pay off my student loans faster as well.Should I focus on opening up an emergency savings account or paying off student loans? Any advice?  <response>: Your student loans will always be there, your employment is not guaranteed.Emergency fund first, once you reach your goal, extra money towards student loans. 