<prompt> Human: I understand that the knee jerk reaction to this question is going to be to say NO! Let the money in my 401k continue to compound and make money, but hear me out.. I have a Roth 401k through the company I work for with 50c on the matching, maxed out that will be vested in the next couple months with a balance near my student loan payoff. Ordinarily I would just let the money sit and grow and work to pay off the SL debt faster, but my 401k has been pretty damn stagnant earning 1-3 interest per year that Ive had it, and I have adjusted my holdings twice to try and achieve a better PRR, but to no avail. I am limited to certain funds picked by my company all have company stake in them.What I am mulling over is borrowing from my Roth 401k to pay off my student loans that are at 6.5. There would be interest I would pay on the loan from my Roth 401k which is around 4 last I looked, but I get to keep this interest in my 401k. So the way I see it, I reduce the amount of interest I throw down the drain to Uncle Sam, instead I end up contributing a little bit more to my 401k in the long run then I would have otherwise, and the money that is in there now grows faster than it would just sitting there as is. Also, with my income where it is now and my current dependents, I wont be able to deduct student loan interest this year.Any arguments for or against my thought process?Thanks!  <response>: Personally I treat retirement savings as dedicated to retirement, never to be touched otherwise except to prevent bankruptcy or homelessness.Student loans are a kind of debt that I agree should be paid off asap, but I dont think Id borrow from 401K to do it. If you left your job or were firedlaid off, the loan is likely to be called immediately, so thats a bit risky. 