<prompt> Human: Here is my situation:Currently have 3k in credit card debt. I also have student loan debt, 4.5k, but have been focusing on paying off credit card debt first as it has the higher interest rate Student loan is fixed 3.3, CC is 11-23 variable.A couple years ago I worked with a company in Maine and put about 7k into a 401k. I recently received a notice that the company will be switching 401k providers, and I need to make a decision on what to do with my very meager account. This is a company that I will never be working with again, due to their location and my current career path. Right now I am back working at a company that Ive worked for before, am vested at, and have a large state retirement fund that I am continuing to put matched money into. Would it be worth my while to cash out that small 7k account that I have to pay off my CC debt, and then put the money I am currently putting towards my CC towards my student loans? These are the only two debts I have.  <response>: You will lose 10 off the top for the early withdrawal penalty, then 22 or so depending on your income for federal taxes, then whatever statemunicipal taxes. This is a 30 loss just for taking the money out.Pulling under penalty from your 401k is a last resort, as in a I will go homeless this month without a withdrawal last resort. 