Student Loans vs. Emergency Fund Account

[Dre]

I recently found out I have only $3,100 left to pay on all my CC debt. I am putting about (and more if possible) $485 per month towards the debt. The debt will be paid off shortly, but I am trying to figure what to do next? I still have student loan debt (32K @ 3.75%), which I am only paying the interest on right now b/c they are in forebarance. I can con't to keep it in that process for about 3 more years b/c I am a teacher.

I also have a 22K car loan which I pay $482 on per month. Here is my big question: When I get through paying off the CC debt, should I:

a) Start putting the $485 towards my student loan debt?

my car?

c) start saving the $$ up in an Emergency Fund account?

--I want to save up a large amount of money to have a "cushion" and to invest with.

Thanks for the advice!

[looksbothways]

You should have $1000-$2000 in your emergency fund at very minimum. This allows you to ride out a small emergency and still stay on track. I'd make that a top priority while still making minimum payments on debt. Then I'd go back and finish paying off the debt. Then I'd finish off the 6 month emergency fund. Then I'd pay off the car as quick as possible. Then I'd start investing.

Yes, I'm aware my "plan" sounds very much like Dave Ramsey's plan, heh.

[Dre]

Thanks! That's what I think I'm going to do: Finish off this last credit card, and then apply the extra payment to my car. I think I can pay off my car rather quickly since I only have 1. Car Loan and 2. Student Loans.

Thanks for the advice!