We paid off our last credit card and my car this month! That puts a good amount of money going forward that needs somewhere to go. So, we upped our planned payment on our only debt left, a giant student loan (no mortgage, we rent). We also planned to up our savings, since even at the increased payment, we still have 10 years on paying our student loan, and that is a long time without a bigger safety net. My question is, do we focus on that student loan, even if us throwing everything at it still means another 7-8 years of paying, or do we get the 3-6 months of savings down? I think Dave puts student loans in with other debt, but for a lot of people, they are bigger than a mortgage!!!