<prompt> Human: I am a 23 year old student in a doctorate program dental school.First off, I am not an expert when it comes to finance, so please excuse me if I sound misinformed. I have about 22,000 dollars in student debt that is accruing interest at about 3. I am very eager to eliminate this debt while I have the funds to do so. I have a Roth IRA account that consists of some blue chip stalks that is at about 6,000 dollars and is up 10 since I opened the account not sure if that makes a difference. Essentially, I am trying to see if it is more financially productive to have that 6k building in the stock market or use it to chip away at my student debt.  <response>: I wouldnt dare touch your IRA. In fact, your loans are at a low enough interest rate that you would feasibly get more return from investing than paying down debt.Take a look here for more information. Scroll up for the full article.We also have this article to help you out. 