[gakline]

I'm in the same situation with mortgage, retirement, and school loan. It's so tempting to pay off the studen loan because I can see an end date that's so much quicker than the other two. But what I've decided to do was do at least a Roth IRA every year. Right now that's $4,000 (after tax money contributions even made evenly every month). After I've maxed that out, I'll put most into my mortgage and then round up on SL. I figure that way I'm covering all three.

Just for the record with regards to interest rates.
The Roth: ~11% (it's nice to have a rising stock market again)
Mortgage: 5.75%
Student Loan: 3.38%