<prompt> Human: I am 32, married, with a household gross income of about 60K. My wife has 40K in student loan debt, I have only about 6K left at 4.5 interest. I also have a stock portfolio that if sold today could pay off my loans, though I would be selling much of it for a short-term capital gains loss. My current monthly payment on my loan is about 150, which I could then put towards my wifes loan.Im also currently facing about 4000 in medical bills from a surgery I had recently, and were getting a 2000 tax refund.Really not sure where I should be allocating my resources at the moment, so Id appreciate the help. Thanks in advance.Edit: Thanks for the advice everyone. Im going to hold on to the stocks and work on finding other ways of paying down the debt.  <response>: You arent going to get out of debt super fast no matter what you do with this money.I would leave it there and just focus on getting out of debt with future income. 