conversation: User (smithisize): "The title says everything! Basically I'm looking at ~$120,000 in loans, and after taxes, bills, living expenses and budgeted activities I will have about $2000 a month to either invest or pay down loans with. \n\nI currently have ~$7000 in a CD, which could be used more efficiently elsewhere, and though I do have money in savings, until I've actually began working (may 2015) and have an income I'd like that money to remain easily accessible. \n\nMy question is basically this: with my goal being to achieve maximum net gain, how should I (and in what amounts) be paying off my loans and investing in my 401k? \n\nMy gut says to pay the loans as quickly as possible. But I realize by taking that approach, I'm missing out on a potential opportunity to be making money (assuming all funds are diverted to loans instead of 401k). \nIf anyone has tips or guidelines for tackling this, I'd be appreciative! \n\nSmith"
  Self: "The FAQ is definitely for you, but we can help better if you tell us your student loan interest rates, your CD rate, and whether your company matches 401k at all.\n\nAssuming your student loans are above 5%, your CD is below 2%, and your company provides a 401k match when you contribute up to X% of your salary, you should\n\n* Cash out the CD when it matures, put that all towards student loans\n* Contribute X% of your income to your 401k\n* Devote all surplus income to your highest interest rate student loans."
  FinsFan63 (FinsFan63): "i'm definitely saving this and asking you all of these questions once I have the numbers after I graduate in spring!"
  