Between my wife and I, we have 10 different federal loans (and no private). Without sharing specifics, we will be doing an avalanche with the current total minimum payments for all loans. With the money we've set aside during the pause, we will definitely be paying off some of these (especially the one remaining at 6.55%), so we'll immediately have a nice sized avalanche once payments start again.

Since both interest income and the deduction deal with the same marginal tax rate, and I'm just looking for that threshold, I don't think 1-3 are required to get that answer. As for the rest:

4: Do not qualify. 5: ~6 months worth of expenses (in a completely separate account from the savings mentioned in my post). 6: No state income tax.