I was going to pay off my student loan next month~ $5k. But we usually owe on taxes and I was wondering if it would make more sense to put that money towards our 401k. We are not maxing out our 401ks and our income is about 180k. We've been focused on debt payoff and it would make me feel really good to pay the loan off, but would it make more sense financially to put that money in our retirement accounts to owe less taxes? The student loan rate is 3.9% I appreciate your advice! Thanks!