re: Student Loans

Now that I know the loans are in your name:



If I personally found myself in your shoes I would make minimum payments until I was age 59.5 then pay them off from my Roth IRA. No tax impact. You can also take out your Roth contributions at any age and pay them off if you have enough.

If I had to get them paid off sooner, and if the tax situation made sense, I would split off funds from one of my rollovers to a separate IRA and take 72T withdrawals, subject to ordinary tax but no penalties, to pay off the loans, probably over five years because that's how long 72T payments have to last at a minimum. There is no tax penalty, but this isn't trivial either.

I would not take out IRA funds early and cause a penalty.