<prompt> Human: Im several years out of college. I entered into my employers 4 1:1 Matched IRA without giving it much thought when I started working Im not really good at personal finance; but theyre ending it and increasing my salary by 5. IRA is at 37,000. I still have 24,000 in student loans which might take a couple more years to pay off. Should I withdraw my IRA to pay off the loans despite the fee?Current income 52,000 living expenses 1100month. Just rent. Actively job hunting for 75-95k range which soon is a likely scenario. ---Student Loans Total: 24,00010,000 7 var int.8,400 4 var int.2,500 4.25 fixed int.3,100 5.35 fixed int.  <response>: No youll most likely face penalties for withdrawing the money. With your current and projected income you should be able to pay off 24k in 18-24 months.See where youre spending frivolously and put that money towards the debt. 