<human>: Hey all,
  I'm looking for a little advice. I am currently a junior in college. I have about 30k in student loans with about 10k coming next year. The interest rate is pegged pretty low and they are all either subsidized or I have been paying the interest on them while in school. My question is this:

I left my last job with about 10k in my 401k which I rolled over into an IRA. I know I can use this money for school without the 10% penalty, (I know I still pay income tax on it). But is that the wisest use of the money? 
I am 25, and by the time I finish school I will be 27. I am getting married in 3 weeks and based on my sisters' weddings, we should have another 4k in gifts from that. My future wife is really focused on getting a house, she is from the midwest and takes home ownership really seriously. I am also sick of paying rent, when I know that I could be putting equity into a house. Would I be better off letting the wedding money and the IRA grow for 2-3 years in moderate risk-moderate reward funds, and then use it as a sizeable down payment on a house? Or am I better off using it avoid the last student loan? I understand that with the intricacies of the personal situation its a more difficult question than it appears. Thanks!

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<bot>: Student has 10k in IRA, should he spend it on tuition, reducing student loans or save it for a house down payment?