Later in your post, you mention that the payments were $100 to Sallie Mae and $400 to the car loan.The $100 is the payment on one of the five student loans I have. In total, I spend $920/month on all my loans --$450 to Sallie Mae for 3 loans ($300, 100 and 50)$80 to two universities for Perkins loans ($40 each)$390 to PeopleFirst for the carAs far as an e-fund is concerned, if the car loan is paid, then all of these obligations should be excluded from consideration.CPAScott
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