<prompt> Human: Hello,Ive been one year out of graduate school now and have managed to pay off most of my 60k of debt by putting almost all of my earnings towards it. I now have 24k in saved up and 18k of remaining debt at 5.4 interest. Im getting married in one year parents are covering costs and would like to be debt free. Should I just do a lump sum payment and wipe out the remaining debt? I just like to have money in my account for emergencies. Let me know if there are any questions that may help in deciding. Thanks  <response>: Yes, pay if off.Youll still have 6,000 for emergencies and you can start building it back up with no payments. 