<prompt> Human: Hi Reddit, I graduated grad school with 200k worth of loans mostly at 6.5. I am sitting on 55k of retirement in a 401k, 18k of which is roth, 28k at pre tax and another 10k or so from a pension. Should I break into this to make a dent in my student loans or not touch it? Separate to this I also have a 3 month emergency fund.  <response>: DO NOT TOUCH YOUR RETIREMENT OR EMERGENCY FUND TO PAYOFF YOUR STUDENT LOANS. Write that 1000x over. 