Do you include your debts that can be placed in forbearance when building an emergency fund?

Do you include your debts that can be placed in forbearance when building an emergency fund? Basically I’m working towards building up a savings account with 6 months of living expenses in case of an emergency. I do have student loans though that I could always place in forbearance temporarily and wouldn’t need to make payments on if I were to lose my job or something. Those that have an emergency fund, do you consider debts like stude...

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