<prompt> Human: Im 28 and currently making the minimum payments on my student loans about 1200mo while also contributing just enough to max out my employers 401K match 3. I recently checked my 401K statement and my YTD return was 10.53. My loan interest ranges from 3.75-6.55. Obviously theres no guarantee Ill see this kind of return next year but I feel like I should be contributing a lot more. I have about an extra 600mo that I can allocate to either my loans andor 401Khow best to distribute this?Asset Amount :--:--Annual Compensation 100,000 5,000 depending on performance bonusChecking Account 28,500Brokerage Account All Restricted Class A shares from an equity bonus 6,600401K Balance 3 match 6,750Company Pension Cash balance-type Unsure. Wont vest for a while.Liability Amount:--:--Federal Unsubsidized Student Loan 40,000 6.55Federal Unsubsidized Student Loan 60,000 5.40Private Student Loan 15,000 3.75Assistant: 1 Max out 401k matching2 Refinance the 6.55 loan if your credit score allows it3 If you cant refinance, accelerate payments on the 6.55 and 5.40, let the 3.75 chill at the minimum payment4 Invest all other discretionary into a RothHuman: 2 Refinance the 6.55 loan if your credit score allows itIve thought about this. Is refinancing worth forfeiting Federal loan protections?  <response>: It depends. If youre already planning on aggressively paying it off then you can refinance a chunk, that you want to pay off within a couple of years. That should mitigate the risk. If you want to refinance the whole thing youll have to look at your individual situation, not just your job stability but your health and the stability and future of your industry. But, what dohlant wrote is pretty sound, though it lacks explanation. 