<prompt> Human: Greetings,x200B;28M nurse here on the east coast in a major city. I currently make 88K baseline but pick up overtime opportunities frequently and am expected to make 100-105K this year. I am currently pretty frugal and with extra monthly income, have already been putting 15 of my paycheck towards a Vanguard 403B plan 5050 between VOO and 2055 fund, currently at 34k balance. In addition, I am making monthly contributions towards a Roth IRA with Vanguard as well to max it out by the end of the year. x200B;For my current student loans, I recently refinanced the loan amount for a five year fixed rate plan at 5 with a fixed payment of 927 through SoFi loans. After speaking to SoFi today and going over the details of my loan agreement, there is no penalty for paying off my loan early, which was a surprise to me. With this new information, I now realize I have the option to pay off my loan early.x200B;Given this circumstance, what guidance can you give me? I can reduce the contributions towards retirement to help pay the loan off faster, but given the aggressive nature of my portfolio for retirement, my returns have far outperformed my loan rate avg. 15 for the past two years. I realize 15 is extremely good and not an indicator of the long term market by any means. x200B;TL;DR - Should I keep putting money towards retirement or wipe out my student loans at 5 rate?  <response>: At that high of interest rate, attack your debt. 