Anonymous wrote:Why is it either-or? Do both. Contribute to retirement and pay more than the maximum on your loans if they are variable rate loans and the rate may go up.

It is either/or for each individual dollar, and every dollar up to the contribution limit would be better off in the retirement plan. Splitting the money isn't getting the best of both worlds, it is guaranteeing that half of the money isn't spent as wisely as it could be.

You should have been contributing yesterday!