<prompt> Human: I have 25k 19.4k invested and 5.6k in total gains in an ETRADE account and 25k of student loan debt at a 7.9 interest rate. Should I sell my stocks to pay off the student loans? I believe the CAGR for the stock market is 6 so I believe it makes sense to use the stocks to pay off the loans, but I dont know if I am missing anything. I realize I will also have to pay tax on the gains as well. I also have a 401k of 180k, 30k in cash and 25k in RSUs that arent vested yet. Age 30. Thanks for the help!  <response>: As long as you wont be penalized as in if its a retirement account I would do it 