<prompt> Human: So I am 31 and I make alright money. I going to school to get a Masters and it is all paid for by my company but my BS wasnt paid for. I have about 54,000 in debt and wanted to know if it would be a good idea to pay off my loans by withdrawing. I dont know much about withdrawing other than you would get a 10 fee applied and I believe it counts as earned income for that year so I would be in a different tax bracket. I know I would have to start over on saving but I would be able to invest a higher amount from paychecks because I dont have my student loans there. I could also put money into IRAs every year rather than putting money towards the loan. I can afford the monthly payment right now and even though I dont need to pay at the moment cause I am going to school I still make monthly payments. So it isnt breaking the bank but I feel life is on hold until those are paid off. We have a 3 to 4 year plan to get them paid off but I am afraid of things that can come up making that time go longer.  <response>: no 