first step should always be to pay off debt. your future self will thank you

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Pay off as much as you can but also have a nest egg for emergencies

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Save up like 2-3 months worth of bills and then dump the rest into loans. If the emergency fund dips, replenish then keep paying

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Look at your interest rates. If you have federal loans, they may be at a lower interest rate than you’d find in a high yield savings account. If the interest rate of your loans averages out to 5% or more, I’d suggest paying off as quickly as possible (double/triple payments when possible).

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