<prompt> Human: Hey all.I currently have 22K in a Roth IRA. 100 Vanguard Total Stock Market Index Fund Admiral SharesI also have around 21k in student loans. Their APRs range from 5.35-6.55 Currently the market is doing a good job of returning me more than that but I dont know how long that will last.Is it a smart move to cash it all and pay off the loans? Only thing that worries me is right now I am living fairly frugally until a raise coming up in 2015, so I like having the IRA there as a potential safety net if I need.What is the most logical decision here? I am thinking just cash it out and pay the loans already checked, no penalty for early payment but at the same time maybe there is some insight Im missing.  <response>: I would not cash it out, but I would divert all future savings to the student loans. 