<prompt> Human: So, I recently accepted a new job hooray! and am trying to get my ducks in a row before my last day at my current employer Friday.I have a high amount of student loan 74,410 and credit card 7,820 across two cards debt and was only able to put 390 away into my companys 403b. I need to decide whether it is better to simply withdraw this money and take the tax and penalty hit its such a small amount anyway or roll it over. Again, its a small amount, so Im not even sure it would be worth rolling over.I might need the money to get me through to my first paycheck at my new gig I wouldnt be getting a paycheck there until July 15. Any thoughtsadvice is appreciated! Thanks!  <response>: No, you should roll it over to an IRA. The only way it makes sense to withdraw to pay down debt is if the debt is over 40 interest. Dont forget you will have to pay income tax on the entire amount 25 the early withdraw penalty 10, so you will lose about 35 of the total value plus any fees for selling if you have them. And if you have debt over 40, well you have bigger issues to deal with. 