<prompt> Human: Ive been toying around with the idea of dumping my Roth IRA, and taking the penalty, and applying it to my subsidized student loan in order to reduce the accrued interest while paying it off after the grace period.Ive had the IRA for a few years now and havent made any contributions to it since I opened it 2008 was a doozy. Im recently employed and starting to contribute into my employer retirement fund so funds are starting to accumulate.Loan: 8150 subsidized Stafford currently in its grace period, 6.8 after.IRA: Hovering around 1k-1100 for the last couple years. I also have a car loan 10,000, 4.9 Im paying off.Does anyone think that it is worth taking the penalty dumping what I have in my IRA to cut the student loan principal? Or should I just wait and pay it off over time? Thanks ahead of time.  <response>: Does anyone think that it is worth taking the penalty dumping what I have in my IRA to cut the student loan principal? Or should I just wait and pay it off over time?Nope and Nope.Leave your retirement where it is. You are going to miss it when you need it. Figure Out your how much disposable income you have each month and use as much of it as possible to crush your debts from high to low apr 