<prompt> Human: Long time lurker, first time posting. I really love everything this community has to offer. Looking for advice from yall. Thanks in advance! nbsp;My wife finished grad school with 150,000 in student loans that average out with a 6 interest rate. yup. nbsp;Shes currently looking for work degree was basically poli sci, so no huge income potential, but possible PSLF. nbsp;Ive been an avid believer in the principles of this forum and had dreams of early retirement before dealing with these loans. My wife was adamant about not dealing with the loans until she gets employed but its been long enough that Im putting my foot down and making a plan. nbsp;I make around 72,000yr after taxes and an 800mo contribution to my IRA. No CC debt, 21,000 left on two cars at 2.5 interest. I have 6,000 in an emergency fund stable job, military. 30,000 in a roth IRA. 80,000 in a taxable brokerage account. nbsp;After scrubbing my budget and cutting some corners, I could start putting 1,400mo towards the loans without too much pain and keeping the IRA contributions. nbsp;My real question is, should I liquidate the 80K in my brokerage account to make a lump sum hack at the loans? nbsp; I was hoping to save the 80K to pay for my kids education no kids yet. nbsp;Thank you guys for your help!  <response>: The loans will not be the death of your early retirement dreams.If you aggressively pay off the debt using her new income once she starts working and money from your current budget you will be debt free in a 2-3 years. Key word is AGGRESSIVELY.I would even stop investing in retirement temporarily. 