[markem]

You are close to finishing your degree. I assume that you want to keep working.

A lot depends on your type of pension. Some pensions require that you withdraw a certain amount and many do not allow you to reduce your amount -- this last part could be important tax wise. Is your pension tax free or taxable? Is there a difference between the pension amount taken today verses waiting to 65? Would the amount you get at 65 be too low for your later years (no medical plan is cheap, btw)?

These are all the type of questions that only a financial advisor with all your information can answer. I am most certainly not one of these.

I wish you the very best.