<prompt> Human: I have roughly 40k in an IRA that I rolled over from a 401k while I roughly 10k in student debt with around 5.5 interest rate. Is it possible advisable to take from my IRA and pay off my student debt?  <response>: No. you will pay more than 5.5 in taxes and early withdrawal penalties not to mention loss of compound interest so it is NOT advisable. 