<prompt> Human: Ive seen lots of these posts before, but I want to ask the question for my specific situation. Im in the 33 tax bracket and have about 100K in student loans at around 6.5 interest. Im already contributing enough to 401K to get all of the matched funds my company provides. Should I put extra income into 401K so it can grow tax free, or should I take the tax hit now to pay down the student loans faster?EDIT: Thank you for all the replies. Im surprised at the conflicting advice. I was hoping for an easy majority on this. Here is some more information that is being requested: I support a family of four, and Im not currently maxing my 401K. We live below our means so I do have the ability to pay things down. I honestly thought the 401K maxes were much higher, but it looks like 17K per year, so that seems like a no-brainer to max that plus an IRA and send everything extra to the student loans. I really was looking for the mathematical best answer since by my rudimentary calculations is was fairly close and I wondered if I was missing something. I guess the conflicting advice points makes sense when the options are fairly close. Thanks again for your thoughts on this.  <response>: At 6.5 I would pay the student loans. Our loans are at 2.5 and 3.5, so were not paying them off quickly since I feel like I can get better rates with investing. You could also consider doing half and half, so you build your retirement funds more while still paying down the loans. 