I started a Roth 403B with my employer in 2016. I opened a personal Roth IRA account in 2022. I left my employer in 2023 and rolled my Roth 403B into my personal Roth IRA. I am currently under the age of 59 years old, enrolled in school with an anticipated graduation in May 2025, and utilizing student loans to cover my educational costs. I know I can withdraw my contributions to pay my student loans without penalty. At what point would I be able to withdraw earnings from my Roth IRA to pay my student loan debt without penalty?
