<prompt> Human: I graduated college in 2014 with 50k in student loans. Ive paid 19k so far but have 38k left original doesnt include interest over 3 years. Heres how they break down by interest rate: 11k at 7.8 15k at 6.8 8k at 3.8 4k at 0I plan to pay off the 11k at 7.8 right away should be paid off by March. But my question is, should I put 5500 towards the 6.8 loans or contribute to a roth IRA?Also, if I were to transfer a former employer 401k about 3k to a roth IRA, does that count towards the 5500 annual contribution? so then I could only add 2500 after transferring? Thanks for any advice.  <response>: Rollovers dont count toward your annual contribution limit. The 6.8 rate is tough to beat guaranteed, but youre looking at letting tax advantaged space go unused. Mathematically its hard to say which would be a better decision. Personally Id max my tax advantaged spaceyr then pay off the 6.8 debt. 