<prompt> Human: Hi all, long time reader here first time posting. Im just looking for opinions on what people might think is the option long term money wise. Ive got two federal loans that are at 6.8 interest just barely under 5.5k. Ive also got a Roth IRA I opened that I havent put anything in this year. Im already doing my company match in 401k and have the budget to either cap my IRA this year or finish off that loan. Ive got other private loans but the 6.8 federal is my highest. I from what Ive read that 6.8 is right on the edge to make it tough to decide which to do.Any thoughts ideas that might be able to fully sway me one way or another? Ive jumped back and forth quite a bit on this.  <response>: I from what Ive read that 6.8 is right on the edge to make it tough to decide which to do.The edge is more like 4, maybe 5. 6.8 tipped the scale in favor of paying it off asap. 