<prompt> Human: My company offers a pretty generous 401k match 50 match up to the current 17.5k max. I have about 5k in CC debt and about 15k in student loans. Ive been going back and forth between trying to contribute as much as possible to the 401k and putting all my extra money towards paying down the debt. I know many financial gurus say you should pay down your debt first, but I would hate to miss out on the generous match this early in my career.  <response>: It really does depend on the amount of the debt and what the rates are, but it would have to be pretty high and harsh for it to cost you more than the match would make you. 