Sounds like you have approx $25k liquid cash between the emergency fund and the HYSA, which is a nice emergency buffer. I would recommend you continue taking advantage of the student loan payment pause by saving & investing as much as you can. Once payments resume, assuming you don’t have any projected major expenses in the short term, I would recommend assessing how much liquid savings you can apply towards the loans at once in a lump payment while still retaining at least 6 months of emergency fund at a minimum. After that, prioritize paying the remaining loan balance using the avalanche or snowball method until paid off.