i'm a teacher at 27 years planning to teach up to 10 more. so i have my school retirement and am paying 400 a month to a 401. my husband also has work matched retirement that he contributes to. the 3000 would be our emergency fund i guess as we have no other money saved.
so our choices are
keep it in savings.
pay on the 8000 dollar loan because that will pay it off sooner and free up the $380 payment to go on one of the other loans
pay on the 18,000 because that is the hight amount
or the 11.000 but it has no interest so i dont think that would be a good choice
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