<prompt> Human: As the title suggests, Im in the midst of paying off a 0 interest student loan. Its about 21k and its definitely 0; no hidden stipulations other than monthly payments of at least 255. Id like to pay it off as soon as possible of course and will make more than minimum payments anyways, but because it is 0 should I be breaking my back to do it? Im making about 39k in my first job and my expenses are relatively low so I could make some large payments each month. Ultimately, my real question is should I pay of the loan as quick as possible and deposit less savings in the bank, or have more savings but stretch out the time it takes to pay off the loan?  <response>: As its 0 I wouldnt worry too much about it just now. Keep up with your minimum payments obviously but get your emergency fund together and max your 401K. 