<prompt> Human: Looking for a little input here. Just about 26 yo and make 58,000year. Beginning on Friday, I will make 62,000. I will also receive a bonus of pre-tax 5700. I currently have about 13,500 in a BOA savings account I mainly consider an emergency fund, and 5,673.48 in a Roth IRA I opened last year. I have not put any money into the IRA in 2013. I filed my taxes and will be receiving a return of 1797. Currently 4012.72 in student loan debt. The minimum payment per month is 59.44, interest rate is 5.25. This is the end of it woo! and the only debt I currently have. Since graduating in May 2010, I have paid down roughly 25,000 in debt approx. 18k in student loans, 8k car loan.I am going very I hope, anyway conservative and considering my bonus after-tax as 2,050. Combined with my tax return, that leaves me with 3,882 to spend. Im considering one of two options: Finishing off my student loan or fully funding my IRA for the year. If I pay off my debt, I will use my bonusreturn and 180.72 from my savings. To fund the IRA, Ill need the bonusreturn and 1,668 from savings. So what is the best plan of attack here? My thinking is to fund my IRA fully and begin to aggressively pay down the debt and rebuild my savings considering I will be receiving a raise an extra 300month I can use. My debt now is very manageable and I feel the net benefit of funding the IRA fully outweighs getting rid of the last few thousand of debt. On the other hand, it would be very nice to be debt free and I could partially fund my IRA for the year using some of my savings, likely 2-3,000 which Im leaning against.So what say you, PF? Any thoughts, something I missed, or other scenarios I should consider?  <response>: I would send your tax RETURN to the IRS. Based on the interest rate, I would use your tax REFUND on the debt. 