I would NOT drop 401k contributions to zero if you're getting a match! That's insane. Think of it this way, if the highest rate on your student loans is 6.8% (that's what my highest were, yuck) then paying down SL debt is like a guaranteed 6.8% return on your money. (Actually I think it's slightly different than 6.8%, but it's close and for me it's easier to just think of it like that.) Assuming your employer 401k match is a 100% match on the first 3.5% of income you contribute (I wasn't totally clear on whether this is the case), that's a guaranteed ONE HUNDRED PERCENT return on that money! Not gonna get that anywhere else. I fucking hate student loan debt and can't wait to be rid of mine, but I still contributed enough to my 401k to get the full employer match the whole time I've been trying to pay down the loans.
My plan with my loans was to start putting money towards other goals (also a wedding and a downpayment, coincidentally) once I got to where my highest interest rate loan was <5%. Honestly I just kind of picked an arbitrary rate that I felt comfortable with. What actually ended up happening, though, was that I got on a fucking roll with SL repayment and decided to just keep on going. Now I am down to <$1k on a 2.9% variable rate loan (started with $70k spread out among many loans), it's gonna be paid off within the next few weeks and then saving for the big goals is going to go so much more quickly!! I can't wait.
Anyway, what I did (and what I would recommend) is set up a spreadsheet and calculate out how different ways of allocating your money work out. Like, if you contribute 3.5% to 401k and throw everything else at loans, how long will it take you to pay them off, and how much longer after that to save up what you want for a wedding/house? Does that timeline work for you? If not, can you tweak your budget to throw a little more at them, and how much will that shorten your timeline? That whole process definitely helped me. (Also, this board convinced me that since I definitely plan on being in a lower tax bracket in retirement, I should actually max out my 401k before paying extra on loans, so I started doing that at the beginning of this year... may or may not make sense for you.)
Can you cut car insurance down? GF and I have 2 cars and pay 670 a year combined (one car with collision one without). Your savings rate is pretty high otherwise.
The student loan burden all depends on the interest rate....if its over 6% I would pay down quickly...under that I wouldn't delay life events....
I would def get a house before the wedding though. Also most of this depends on her savings/income as well..
What? Why?!?? I guess there are a lot of personal opinions and emotions tied up in this but I feel the EXACT opposite (definitely want to get married before buying a house).