<prompt> Human: Hey PF!Long story short, I have a 401k from an old employer that I completely forgot about until recently--valued at 7,000. I also have roughly 85,000 left in student loans, ranging from 2.3 to 5.9--the majority of which are towards the lower end of 5. I already have a healthy 401k with my current employer, and am on track with my retirement plans before I completely blanked out on remembering I had this old 401k. Now, if I dont cash it out--ill probably roll it over to an IRA with my current 401k holder Fidelity. This may not be the most financially sound choice, but I dont want to bother managing two retirement plans.My question is---should I just eat the extra 10 in order to pay a decent chunk of my student loan debt at 5.9? If I understand correctly, Ill still get hit with the taxes ifwhen I roll that amount over to an IRA--so the 10 may not be a huge impact considering the value.Thanks for any help.Other basic info that may be relevant:Age: 30Current 401k sitting around 50,000Salary: 90,000Student Loan Debt: 87,500 weighted average of 4.8 interest  <response>: Not worth it.It would be worth it to me if the interest rate was over 10. Cashing out a 401k means that youll pay fees and it will be seen as income, so you will pay income taxes on top of that. So not worth it for only a 5.9 interest rate. 