<prompt> Human: HI PF! I graduated 6 years ago and have been making minimum payments on my loans since. About 6 months ago I moved back in with my parentsthe first time since high school. My car is now paid off and my only other bills are insurance, gas, food, and my phone mostly. I am hoping to change careers in the future to make more money but I dont see that happening any time soon. My loans are through navient and the highest interest rate i have is 6.5. What are my best options for paying off this loan.Also, I have a mutual fund, that was set up when I was a child, given to me when I moved in. It is currently worth 10k and I contribute 50 a month. My job offers a 401k plan that matches 6 and 100 vested. Im not sure how much longer I will be there so I havent set anything up with it. I have also heard that opening a low fee index fund with Vanguard is a good idea. Is it possible to move my mutual fund there?Thanks for the help!  <response>: You should at least be contributing enough to get the match. You can even immediately withdraw its and the penalty and still come out ahead. 