<prompt> Human: Once I receive my tax reimbursement, Ill be paying off a loan which frees up the 400month that Id been paying toward it and Im unsure as to what to do next. Basics: I contribute slightly more than employer match to 401k. Should probably scale back to be exact match and then into Roth IRA? Wife has teacher pension 403b 2 young kids 8k in emergency fundDebts: AES Consolidated School loans: 53,292.73 3.125, minimum payment 280 Private loan, 31,853.00 0, minimum payment 300I appreciate any thoughts regarding my situation!  <response>: Pay off the rest and be free 