<prompt> Human: So, Ive been doing research on peoples opinions about student loans and using retirement to pay for this. My wife has 22k worth of debt. She does not work as she is on FMLA for maternity leave. We spend 550 a month on this loan, interest rate is 6. My retirement is worth about 16,000 as of this point and we have 16,000 in savings still have medical bills to pay. Thoughts on paying this damn loan so I can have more financial freedom? My thought was to take that 550 after the loan is paid off and reinvest it into Roth IRA, which I already have and is worth about 1,500. I understand the importance of saving and investing.FYI I am 27 making about 34,000 per year with a wife and two kids. Being 27, I feel like the gains made from 5-6 more years of crippling interest payments makes it worth it in the end. Thoughts?  <response>: do not withdrawal from your 401k.come up with a budget and get it knocked out. 