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Got Student Loan Debt?

Don’t Forget to Save for Retirement

Paying off a student loan is a top priority for many people. So is saving for retirement.

What’s your best move to meet both financial goals? In most cases, saving for retirement should be part of your game plan.

Let's explore your options.

Game 1: Pay Down Your Student Loan

First Move

Make your minimum student loan payment.

Next Level

Pay an extra 3% of your paycheck toward your loan.

Heads Up

You're putting little or nothing in your retirement plan.


You've paid your loan early. Now start saving for retirement.


Paying off your student loan debt sooner means you can avoid paying all that interest. But paying more toward your loan doesn't help you build savings.

Game 2: Pay Down and Save Up

First Move

Make your minimum student loan payment.

Next Level

Put what you can into your retirement account.

Bonus Points

If your employer offers a match, contribute at least enough to meet your match.

Super Bonus Points!

Enjoy the benefits of compounding, employer matching and tax breaks.


When you pay off your student loan, you'll have a nice stash of money in your retirement account because you've been saving all along.

Which Option is Best for Me?

Use our calculator to see which option might be better for you.

Do The Math


More About Calculators

Answer six questions. We’ll analyze your responses and show you an investor profile that may be a good fit.
Estimate the advantage of saving for retirement before federal taxes are taken from your paycheck.
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