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- Does the fact that I'm active duty Army have any bearing on this? I'm not likely to become unemployed. Seems we military are a busy bunch.

Are these your wife's student loans? I only ask because I thought that there were deferrments for active duty military.

- So, I should find my comfort level for the efund and then reduce it to that?

Sounds like a plan to me. But figure in your comfort level of debt. I don't think that tax breaks are any reason to stay in debt, so I would attack it as much as you can. I don't think that it would be worth getting into your vacation fund though.

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