Saving $1,000+ per month…what should I do with it?
If you can get a rate of savings that is higher than your debt, you save.  If you can't then you pay off your debt.  That makes the most of the money you have. Also to think about:  what are you goals?  Do you want to own a home, start a family, further your education, move to a new town?  All of these you would need to save up for.  If you can do these large transactions in cash you will be better off. If it were me I would do what I think is a parroting of Dave Ramsay's advice Congratulations by the way.  It isn't easy to do what you have accomplished and you will lead a simpler life if you don't have to worry about money everyday.