You (age 35) have a Roth IRA that you've contributed a total of $6,000 to over the last six years. The account balance is now $10,000. You decide you are going to withdraw $8,000 to pay off your student loan. How much of the withdrawal will be subject to taxes and/or penalties...

a. $0, it's a Roth

b. No taxes, only a penalty

c. $2,000 of ordinary income, plus a $200 penalty

d. $8,000 of ordinary income plus a $800 penalty