<prompt> Human: I am not hard pressed for money, but I have a goal to be debt free soon, but Im wondering with the interest rates whether or not its smart to continue to pour money into my loans.My Debt:1. 7.8k currently at 2.25 - Student Loan1. 16.5k at 0 - Student Loan Owed to my parents, bought out a much higher interest loan1. 22kish at 2.99 - Car LoanI make 93kyr currently, and in the past 18 Months, Ive put over 30K into student loans, not including the monthly payments, not including car loan, which is 500mo.In a bit more than 6 months, I have a large amount of stock vesting, and also expect a bonus, so I believe I will have the student debt paid off by January.2k in betterment.I currently do not have a Roth or traditional IRA.I have 23.6k in my 401k and another 8k in an ESOP program I wasnt able to rollover Does anyone know much about esop? Id like to have all my retirement in a single account, but they say I cant do anything with it even though im no longer with that companyWith regards to priorities, should I focus on becoming debt free then putting more into investments?If I cash out the stock, and depending on the bonus, I will hit the income limit for a Roth, what are the other options? Should I try to work towards maxing out my 401k?Are the interest rates low enough on my debt that perhaps I should just start focusing on the investment side of things?I can add additional information if needed.Thanks for the advice in advance!I currently feel a bit of a mental burden with the debt so at the moment Im leaning towards getting rid of the student loan debt, and perhaps just living with the car loan.Edit: Thank you for all the great advice! I think Im going to just pay the minimum on the remaining Student loan and car payment. Ill focus on Maxing a Roth and my 401k Contribution, and keeping on track with paying my parents back. Any additional money that would have gone into the other loans will be put into savings investments.Also, going to check out the ESOP rules a bit more closely.  <response>: All of those are at rates that I would happily pay the minimums. 