<prompt> Human: I have been doing a fair amount of research on this topic and have found a mix of answers... it seems to be almost split 5050.My fiance and I are both 25 years old. She is about to graduate Pharmacy school and has a lot of student loan debt. Right now it is at 255,000 ouch with a mix of interest rates. When she graduates and starts work in the next 3-5 months she will be making a salary of around 115,000 or more. I have recently paid off all of my debts since graduating college and have a salary of 95,000. Cumulative salary when she has a full time job for the two of us should be in the 200,000 range. Her loans are the only debt we have. We both own our cars and currently do not own a homehave a mortgage.We are planning on CRUSHING the student loan debt once she finishes school and starts making good money. Basically living frugally and using all of our spare to pay off the loan. We anticipate it should take us about 4 years by paying 7,000 towards the loans at a minimum each month. After that we will save for a house.I have a fair amount of that I am undecided on what to do with 15k... I am wondering if for the tax year 2016 we should both contribute the max 5,500 to a Roth IRA account... Or I could just throw it at the loans. My concern is that once we are married 1-2 years at most we are not going to be able to contribute to tax-advantaged IRA funds salary over the 195k limit. Obviously, contributing to an IRA for the year is a use it or lose it scenario for everyone but I feel this is even more the case with us given that we will likely never be able to contribute to IRA again after a year or two. We are both fortunate to have good salaries so in the grand scheme of things 11,000 of loan debt will take us only like 2 more months to cover in the future if we choose to contribute to IRA now.What should we do? Pay off 11k worth of the debt highest interest accounts first or contribute to Roth IRA while we still can?Loan details all student through Great Lakes:Direct Subsidized Stafford4,549.824.500Direct Unsubsidized Stafford1,449.616.800Direct Subsidized Stafford5,546.003.400Direct Unsubsidized Stafford2,705.726.800Direct Subsidized Stafford5,641.063.400Direct Unsubsidized Stafford2,545.036.800Direct Unsubsidized Stafford23,193.766.210Direct Unsubsidized Stafford17,274.226.210Direct Unsubsidized Stafford21,833.255.840Direct Unsubsidized Stafford16,260.965.840Direct Unsubsidized Stafford20,806.785.310Direct Unsubsidized Stafford12,687.065.310Direct Grad PLUS37,323.187.210Direct Grad PLUS37,720.976.840Direct Grad PLUS33,651.956.310FFEL Unsubsidized Stafford6,091.186.800FFEL Unsubsidized Stafford3,045.516.800FFEL Subsidized Stafford3,565.935.600Salary once fiance gets full time job after graduating in a few monthsHer: 115,000 Me: 95,000Total: 200,000  <response>: My concern is that once we are married 1-2 years at most we are not going to be able to contribute to tax-advantaged IRA funds salary over the 195k limit. You can always contribute to a traditional IRA. The only limit on tIRA contributions is whether you can deduct them or not, but there is no limit to actually contributing. You could then employee a backdoor Roth strategy, or just be comfortable with non-deductible tIRA contributions. Your situation will become slightly more complex, maybe, but you never lose your ability to contribute.In my opinion, tackle the shit out of this debt. Its all guaranteed returns on your money, which pretty much nothing else can guarantee apart from low interest insured accounts. At the very least pay off the highest interest rate loans before contributing to IRAs. 