Because 70 percent of you are dealing with student loans [1], a Motley Fool article called [2] "Die, Student Loan, Die!" caught my eye. The article has some good tips on how to assess whether you should focus on putting more money toward savings or more toward student loans. Here's what they say you should consider when deciding whether or not to pay off student loans early.

• Pay off ASAP if you're stuck in a high-interest private student loan, but sit on it if you're locked in a low, fixed-interest rate.
• If the the interest you're paying is not tax deductible, pay off the loan ASAP.
• Pay off immediately if you have enough cash to pay off your loans and still have money left over to start your emergency savings account.
• Sit on your student loan if you have other higher-interest debt. Compare the interest rates on all of your debts to determine which should be paid down first.

Source [3]