<prompt> Human: Little bit about me: Age 24, 50k salary, 15k in savings, and about 13k in student loans at 7. No other loans or debt.I cant decide if I should be throwing as much as I can at these loans or begin contributing to my companys 401k. There is no matching...they make a 3 contribution based on your gross regardless of whether you contribute anything. Also...I have an old IRA from my old job with about a 4k balance. Do I need to roll that over to my new job? Im not sure how that works.Thoughts?  <response>: If you have 15 in savings and 13 in debt, so long as you have a solid emergency fund, Id recommend you to throw everything at that debt and write a check today to kill it off, again with the assumption that this is not your emergency fund.Your take home is 37,5 25 tax bracket assuming you live in a free state like Texas no income tax so if you have no other debt, assuming you live on 2k a month, you are financially able to get this sucker taken out now. 