conversation: User (ReasonablyIll): "The current principal on my student loan is $16,724.62. All interest rates are fixed and the breakdown is as follows\n\n$2.2208.46 @ 6.55%\n$628.68 @ 6.55%\n$21.42 @ 4.41%\n$3,962.87 @ 4.41%\n$117.48 @ 4.41%\n$3,003.54 @ 3.61%\n$2,176.88 @ 3.61%\n$757.43 @ 3.15%\n$3861.27 @ 3.15%\n\nI’m currently taking home $3k/month from my main job and about $600-$1k (varying based on how many shifts I work and how much I make from tips) from my second job after taxes. I have about $13.5k in available cash saved up in various accounts.\n\nLuckily I’m able to live at home atm and my car is all paid off so my monthly expenses are pretty low. Average around $500/month between monthly loan payment, insurance, phone, gas, gym and union dues.\n\nNow the reason I’m hesitant to pay off my debt more aggressively is that my job stability isn’t really the greatest and therefore I feel like I should always have plenty of emergency money saved up. The income I make from my main job is dependent on projects being available (blue collar type work). Although this project I am currently working on will guarantee last me another few months, I unfortunately don’t really have anything lined up after that. I will be eligible to receive unemployment benefits after this project is done for a short period, but I’d rather not go that route or rely on that. I know long term I need to find something more stable, but for now how should I be approaching my student loan payments in the meantime? Thank you r/PF\n\n\n"
  Self: "Pay that shit off as fast as possible. In my 20s I wasn't worried about it and always paid the minimum payment. Stupid. You pay so much interest that way. They have already taken advantage of you, don't let them take anymore of your money, if you can help it."
  