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Greetings, Evan, and welcome. You asked:

<<My mother has a PERF retirement account through the state of Indiana. My question is should she use the money to pay of her debt? She has about $20,000 in student loans and about $4000 in revolving debt. If she did look at paying of the debt, what kind of retirement vehicles should she look at (IRA, etc.).>>

Your question is not clear to me. Is your mom retiring now and taking money from this plan? Is she trying to decide whether to put money into the plan instead of paying off debt? How much interest is payable on the debt? What kind of return does she expect to receive within her retirement plan investments?

You must do an analysis of her options to see what puts her in the best position based on her desires. We can't do that for you because you are the only one with the facts and circumstances. Tell us what she's thinking of doing and why she wants to do that, and perhaps we might be able to offer some thoughts for consideration. Otherwise, any comments we make (to include this one) are just a shot in the dark.

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