Should I cash out my Roth to pay down my student loan?

I’m currently paying $220 on my private student loan every month. My federal loans are in forbearance so I have just been paying random payments here and there. My private student loan has about $20k and a 4.6% interest rate and my federal loans have $15k and 2-4% interest rates. I have $15k in my Roth after 2.5 years at my job. I’m thinking about paying down the private loan with the money in my Roth and then refinancing to lower the monthly payment. I know I’ll have to pay fees to cash out, not sure exactly how much. Is this a dumb idea? I don’t know much about finances so idk it’s just an idea I had.