# Mortgage or Student Loans First – Prepay Whichever Costs More After Taxes

- Source: Money Crashers
- Published: 2026-10-19T16:45:00+00:00
- Category: Local
- Original: https://www.moneycrashers.com/prepay-mortgage-or-student-loans/
- Canonical: https://groundlevelnews.com/story/mortgage-or-student-loans-first-prepay-whichever-costs-more-after-taxe-c6efb5/

The rule assumes your emergency fund is set and you already collect your full 401(k) match. From there, picture a 3% mortgage and a 6.5% student loan, whatever their balances. An extra $1,000 toward the student loan saves about $65... Source

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