<prompt> Human: I am 6 mos out of graduating school and I have around 47K in student loans 6.55 interest. I take home a little over 5Kmo. My rentutilities total about 1Kmo, and I probably spend another 1K in misc expenses. With the 3K left over, Ive only been focusing on attacking the student loans, but in doing so I havent looked into putting any savings in place yet. Should I start looking at allocating some of my take home to a Roth IRA or 401K, or just stay the course with paying down the student loans as quickly as possible? Thanks.Edit: I dont think I have an employer 401K match at least for my first year.  <response>: You should contribute up to your employers 401k match, but past that youre not going to beat 6.55 guaranteed, risk-free return on your student loans unless you have other, higher-interest debt. Pay down your high interest debt before increasing your retirement contributions. 