<prompt> Human: Im finishing a Masters in Computer Science, and hopefully, probably am on the way to a well-paying job in January. I will not be employed until then. I just paid rent, and dont have enough to pay rent next month.I think I have 6,000 invested in a Roth IRA, so I can withdraw from that without penalty, from what I understand. I think I can also take out a direct subsidized loan with 3.76 interest last years rate.It seems to me the best idea would be do withdraw from the basis, and keep myself out of debt. Is that the best option? Is there some other option Im missing? Should I withdraw from the IRA until there is nothing left, and then get a loan?UPDATE: Thank you for your help, Im glad I posted here! We checked our Roth IRA and discovered the return rate was 0.5 because we have allocations set up wrong also no beneficiaries set up - now on some Vanguard plan to automatically adjust allocations over time. Yikes! Glad we found out now instead of 40 years from now... Interest rates are higher than what I said 6, particularly because Im a grad student, but now I know more about what sort of returns I might expect from our investments, and how to make that decision. It sounds like leaving it in the IRA will still be a better deal on average. Thank you so much!  <response>: Get a side hustle. Clean some gutters for 50 on the weekend. You would be surprised how fast it could add up with some elbow grease applied.If you try to get loans to bail yourself out, you might want to verify that the money can be spent on what you intend to spend it on. Many student loans specify what exactly you can spend the money on and you wouldnt want to commit fraud. 