<prompt> Human: My current student loan debt is 96,000, and thats just for a Bachelors degree!Age: 29 Yes, its cake day!Monthly income: 3300401K23KSallie Mae student loan: 383Federal student loan: 304Rent: 300 with parentsCable,internet, phone- 115Electricity:140Cellphone: 90Water: 44Gym: 38CreditCard Payment: 400 6 payments leftfood lunch, entertainment, personal care, etc: 500TOTAL EXPENSE: 2315Balance after expenses: 985 never see this, it just fck!ng disappearsI have 23K in my 401K 105 match by employer, no emergency saving.For the past 3 years, i have been paying my student loan and have not put a dent on it. It seems that all the money i am paying now is going towards interest ONLY! Can i take out my TSP 401k to pay off the federal loan balance 22K? I think i would be able to pay off my student loan with my 401K and re-fund my 401K back to 23K within 2 years. Adviceschooling are welcome!EDIT: I should also mention that I work for the federal government. Loan forgiveness wont come until 2017 for me.EDIT 2: Thanks to all who contributed. Ive realized that student loans aint hurting me, its my excessive minor spending. Shits about to change!Assistant: First, set up a budget. I use mint.com, as I can see all my accounts and transactions in one place. Also, gives me a good idea of where my money is going, and breaks down my categories of spending: bills, groceries, etc. With this accountability, a third of your income wont just disappear. Second: cut down the luxuries. Get rid of the cable check out the subreddit: cordcutters, learn how to cook basic meals and pack a lunch, get a cheaper cell phone, etc. If you drink coffee, make it at home and have a to go cup. Learn to coupon. Ill be subjective here: do you really need a gym membership? Can you pick up running outside do at home exercises- buy some inexpensive weights craigslist and do a home routine. 38 x 12 456year. Its not bad, but all these little expenses sure add up over time. And you can use every extra dollar to pay your loans and set up an emergency fund.Human: Nico, ill be honest, these are tough changes especially when its what ive been doing for a few years now. But you are right, if i really want to get serious about eliminating my student loans, i have cut down on half of my luxuries. I too use Mint, but only use it to track my 401K growth. Its depressing to even glance at my net worth on Mint.  <response>: Dont despair! You just need to be diligent. Im not going to lie, it does suck initially scaling back. But once you develop frugal spending habits, stick to a strict budget, and start paying off your loans, credit card debt, then build an emergency fund- youre going to feel amazing. All the sacrifice will be worth it 