<prompt> Human: I owe 10k in a Perkins loan and 20k in a Stafford loan.A little more about my situation: I have a steady income, Ive been meaning to move away from BoA for a while, and I probably wont be living in the same neighborhoods in the upcoming years. What should I do? My first instincts:1. Open a savings account with some online CU as a sort of emergency money fund.. Alliance?2. Keep some money in a new checking account which offers free withdrawals.3. Use the rest of it to throw at the loans, and just pay those off ASAP.What do you guys think? Which loan should I pay off first? Should I not even bother to save some money before I pay off the loans?  <response>: If the interest on your debt is higher than the interest you earn by parking your money somewhere, you are losing money. Pay off your debts. 