<prompt> Human: I currently have around 25,000 in student loans with reasonable interest rates, an average of 3.75, and about 20,000 in personal savings. I have been saving and paying down the debt - saving 400mo and paying 1000-1500mo towards loans. It seems pretty obvious to me that once I am able to payoff the loans with my savings I should, while keeping some safety net. Should I go ahead and pay off the majority now or wait a little longer?  <response>: Personally I would throw 10k at the highest rate loan. Im not a big fan of paying interest though, and 10k is enough to cover 6 months of spending if I tightened up my budget. 