<prompt> Human: I think I need to run some more math that I can use my stagnant 401k regular not roth to pay off my student loans. I must have terrible choices for growth and my yearly growth has been 2-3.33k - 401k30k - student loansI live in Michigan and I am under the age of 30.Currently I dont have enough money on my 401k but I believe in a couple of weeks I might be able to pull it all out just to pay it off. My question isDo I still have to pay taxes on the 401k even though it is a regular 401k and not a roth401k?Are these taxes calculated just like regular income brackets?So all I would have to pay is State Taxes, Federal Taxes and Federal Penalty taxes?Is there some other fee that I am missing?I fully understand that this isnt recommended, but I am honestly doing the math to see if this would make sense in the long run.  <response>: 30k invested for 40 years compounds at 6 to 308,000 if left in your 401k. Do not withdraw this to pay down 30k in student loans you will likely have 20k left after taxes and penalties. 