I've decided to spend a portion of savings (about 5.5K) to totally knock out one of the high-interest loans. Then, I'm going to make triple payments on the other high interest loan, which should knock it out in about 7 months. After that, I can start building back up my savings, which will go pretty quickly since I'll have an extra $300 every month that I would have been spending on payments on the high-interest loans every month. I'll probably pay off the low interest loans by making normal or slightly higher payments.
Both our jobs are very stable (especially mine, and we could easily live off of just my salary and still save quite a bit). Since this is our only debt (we rent a month to month apartment and paid for our car in cash), I don't think we need as large of emergency fund. Worst-case scenario, we could sell our car or cash out a mutual fund my husband has. And yes, we could move in with my parents, but here is hoping it never comes to that.