<prompt> Human: So my SO recently came to me about her retirement savings account but considering her income bracket 401k options, Im not too sure as to her best course of action. Background: Currently has about 97k in student loans. Majority is in the 6-7 range.Income is 87kyearEmployers 401k Great West Financial has no match or any other bonus. Admin Fees on the plan are a whopping 1.10 with additional 50 fees for various things. Cheapest fund offered is a general SP index fund with 0.6 expenses, and most funds in the 1.1-1.5 expenses range. Quite frankly, her 401k is crap and should be avoided. My favorite fund is the guaranteed portfolio fund that has a fixed rate of 1.25...and a 0.89 expense. I almost want her to tell the rest of her employees to jump ship.Having never researched IRAs before as Im offered a wonderful 401k at my job, Im unfamiliar with the best course of action here. Im fairly confident that aggressively paying down her student loans should be the priority-- other that that, I believe her income level effectively removes any benefit of a traditional IRA leaving only a Roth IRA as an option? Am I correct about that?The employers 401k, from what I gather, should simply not be an option. She should just pay the loans down and put whatever into the Roth IRA if theres anything leftover. Is my reasoningdeduction correct?  <response>: Im fairly confident that aggressively paying down her student loans should be the priorityYep. I believe her income level effectively removes any benefit of a traditional IRA leaving only a Roth IRA as an option? Am I correct about that?Yep. She should just pay the loans down and put whatever into the Roth IRA if theres anything leftover. Is my reasoningdeduction correct?Yep. 