Max out Roth or Save up for Grad School?

[Mr. Nice FI]

I am planning to start graduate school in the summer of 2018. I am wondering if I should continue maxing out my Roth IRA until I begin school, or if I should save up for tuition.

The total cost for the master's program will be around 100k, which will be financed mostly through student loans (probably around 6.5-7%), but I should start out making between 120-140k straight out of school and plan to pay the loans back in 2 years max. So the question essentially is, should I max out my Roth IRA until school starts, or save all of that money for tuition to lower my loan needs?

Thanks in advance for any insight.

[Proud Foot]

I don't know how loans for grad school work but will any of them be subsidized loans? If so then I would max out the Roth before and if possible during grad school and take advantage of the tax free growth, particularly since you are expecting to have a higher income after completing school.

[frugaliknowit]

I would seek out an employer to sponsor the masters or pay cash for it.  I would not borrow on the assumption that my potential new income will take care of everything.

[Mr. Nice FI]

I don't know how loans for grad school work but will any of them be subsidized loans? If so then I would max out the Roth before and if possible during grad school and take advantage of the tax free growth, particularly since you are expecting to have a higher income after completing school.

The loans generally aren't subsidized for grad school. My thinking is that any money that I save now for tuition will have a guaranteed return of 6.5-7%, which seems attractive when compared to buying more stocks at these inflated prices. Thank you both for responding.

[Gin1984]

I don't know how loans for grad school work but will any of them be subsidized loans? If so then I would max out the Roth before and if possible during grad school and take advantage of the tax free growth, particularly since you are expecting to have a higher income after completing school.

Subsiding student loans were taken away from graduate students a few years back.