Do I even need to use the debt snowball method at this point?

Do I even need to use the debt snowball method at this point? Alright, so basically I paid off a majority of my student loans and my auto loan today. Now have under 10k left to pay in student loans with rates of 3.48% or less. Yippee! I also have the extra funds to just pay off the remaining loans today. I'm feeling very conflicted on whether to do so. For reference, I have a $12k EF sitting in a HYSA that...

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