<prompt> Human: Alright, so first Ill give you my situation. Im 25, I gross about 65k per year, good job security. The only debts I have other than my student loans are a mortgage and a car lease.nbsp;Private loans with Navient Total 38,254: nbsp;21,085 3.625 nbsp;11,785 9.625 nbsp;5,384 12.125 nbsp;Currently Paying: 320 monthly 110 to principal, 210 to interestnbsp;Federal loans with Nelnet Total 20,845: nbsp;11,263 6.55 nbsp;3,207 5.35 nbsp;6,375 3.15 nbsp;Currently Paying: 277 monthly 180 to principal, 97 to interestnbsp;401k Balance: 11,015 I contribute 5, which my employer matches. Average 600 added to 401k monthly. All of it in Fidelity Freedom K 2055 blended funds.nbsp;So Ive been weighing the idea of borrowing the 5,384 from my 401k to completely payoff the 12.125 interest rate disbursement I have with Navient. My thoughts so far are that it would be worth it because the amount of interest that accrues on the student loan monthly approx 55 would be much more than what I would gain in 401k accrual in pretty much any decent time frame and allow me to start making a lot more headway on my other disbursements. Also Fidelity said the charge for borrowing from my 401k would be 110. nbsp;I can afford to pay another 100 or so per month going forward to pay back the borrowing from the 401k. So I wouldnt be decreasing my monthly payment to Navient, the 65 or so total that was going towards that disbursement would just go towards the principal of the other disbursements.nbsp;Is my reasoning correct or is there something Im overlookingnot aware of that would make this a bad decision? Furthermore, would it be a good idea to do this again down the road on the 9.625 interest rate loan as well?nbsp;If theres any additional info I should provide, just let me know. I appreciate any insight and all time used to help me out, thank you in advance.  <response>: Its against this subreddits rule to offer people reddit or real gold to help them solve your problems.Instead, well do it for free. 