Wow , that ' s something entirely unexpected from the postPresident lol . <| sep |> This can only end well . <| sep |> It depends on whether you prioritize having a small debt load . Personally , I ' d kill the loans . With your income , you could probably kill them in a year . You ' d be debtfree , financially disciplined , and able to plan your future without student loans weighing you down . What is your 401 k like ? If you get a match , just contribute enough to get the match . Use this as your retirement savings for the year and put the rest of your income toward the loans . You already have an emergency fund , so you are fully prepared to dedicate the rest of your income to loans . <| sep |> A worst river croc since it ' s not even a beast .