Have you looked into consolidating your SL's and lowering the interest rate via So-Fi or similar? There is a thread about this, possibly in Ask A Mustachian. Alternatively, what about using zero percent CC offers to whack away at the balances?
As to EF, I had cancer when I was 22 and was off work for four months. Damn glad I had one then; haven't needed it since. Well, I guess I have, but when you have plenty of cash on hand, nothing seems like an emergency. I'm a bit of a contrarian around here. I believe in cheap, affordable fixed-rate 30-year mortgages and big, fat EF's. I'm also FIRE.
Shocker alert: at the moment, we have a hefty five-figure amount in cash. It's our EF, but it's also what I like to call our Opportunity Fund. Last year, we flipped a house. Paid cash for everything, netted 75 grand. We've used that profit for 25% down payments and rehab costs on two rental properties. We're casually watching the market. We may do another flip, or buy another rental, or both.
My point is that cash gives you choices. The best thing to do is some of everything. Pay down your SL's, save in tax-sheltered retirement accounts, get the match, save (invest) in taxable accounts, keep a decent-sized EF/OF. Avoid lifestyle creep, don't get into CC debt you can't manage. Learn how to hack credit cards to pay for travel. Pay close attention to your SO's spending habits. Financial infidelity/incompatibility is a leading cause of marital strife, and divorce is expensive, not to mention emotionally devastating.
Finally, keep reading. See if you can figure out who retired early, with both student loans and a mortgage or two and is now happily traveling the globe.