<prompt> Human: Ok Im 29 and have 10,000 in credit card debt. My minimum payments are like 220 which is a killer. I have around 35K in my 401K and my company matches 15 which I do the max amount. I feel like its my last resort. Ive definitely learned my lesson not to get a credit card and let it go out of hand! Im basically living check to check making 50Kyear. What other ways could I pay down the debt? I have student loan debt coming as well but I put this off since I was in grad school and have to start paying again in December. My mom wants me to pay it off by a loan using the credit union I use then paying back the credit union with the lower interest. Please help. This is so stressful. Edit: I take home 1200 biweekly. I dont plan on cashing out my entire 401K, just enough to pay my credit card. I dont have a car payment which is niceRent is 850Cable is 130Credit card: 220 Student loans: 300 Electricity: 75-100 I live in a tiny aptPhone bill 50Gym: 30Best Buy credit card: 35 2 years no interestGas: 150month Groceriesmisc is the rest. I suck at budgeting. Im really wanting to buy a house soon as well so Im not sure how that will play out. Can someone help me with a budget?  <response>: No, dont clean out your 401k to pay off a credit card. Youll incur a penalty equal to your tax rate 1037;.The best way to pay off excess credit card debt is to either trim expenses or get a second job. 