<prompt> Human: My wife and I just came across 15k. While both of us have 401k plans, neither of us have an IRA started. Were trying to figure out what is a better plan - take 11k and put it into IRAs for the both of us 31 years old or use the 15k towards my student loans 6.8 APR.  <response>: Pay your student loans. With that high of an interest rate, this is a no brainer. 