<prompt> Human: Hello everyone, longtime lurker looking for advice on my current situation. I just graduated with a chemical engineering degree, currently working my first job in the oilgas refining industry. I do have some debt, but Im confident i can take care of it within this year if I tackle this in the right way. I currently have 7887 in my bank account and my monthly take home pay is 4574 after taxes401K contribution. I am currently contributing 17 to my 401K, which is not enough to max it out this year but it is close. My company also contributes 6 to my pension plan. Here are my current monthly expenses:Rent: 700Bills:400 phone, tv, internetGroceries:300 Gas: 150 commute is longDebt:CC: 4K at 11.15Student loans: 17.1K at 6.8I guess my main question is, do I just go ahead and pay off that CC debt right now or should I do it in smaller amounts of next couple of months. Also, Im currently paying the student loans in the minimal payments, but should I pay more? Also, should I contribute that little extra to my 401K to max it out this year? Thanks for your advice!  <response>: You should pay off that debt today. Then save aggressively to pay the student loans down-- should take you no more than 12 months. 