<prompt> Human: Student Loan balance: 25,000 with an average interest rate of 5Loan payment: 400moSavings: 470moI am approaching a 3 month emergency fund thank you PF for helping me get to that point. Once Ive hit this mark, would it be advisable to allocate that 470 that is going into savings into my student loan payment? Or should I continue to save until I have 6 months Emergency fund? Perhaps a split?Would love to hear pros and cons of both tactics.  <response>: After 3 months emergency fund pay the loans. If the emergency fund has to be touched for some reason, you can just stop the extra payments on the student loans and build it back up.Heres the numbers: paying 400 per month it will take 73 months and youll pay 4k interest paying 870 per month will take 31 months and youll only pay 1.6k interest. 