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Sounds like you have yourself on a solid plan, and must be living pretty frugally. My congrats on working your way out of the hole.

Thoughts:
* Answers really depend on your goals in the next five years: are you saving for a house, etc.? Don't want to be too cash depleted, and if your credit sources are all locked up you should have a couple month's saved in relatively less volatile investments, perhaps a short term bond fund. And find a way to get a credit line accesible asap.

* Why the taxable mutual fund, which I assume is a stock fund? Either put that money into short term savings if you have limited credit access, or use it to pay down the debt.

* If you can keep that plastic locked away, it would serve you well to do the Roth. At your age its tax-free earnings should well outweigh the low interest rate you are paying on the loans. It is worth it to find this extra $2k a year.



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