<prompt> Human: Hello PF, I have a question for you all. Ive been paying off my student loan along with contributing to my retirement account. I would like to pay off my loan faster. In order to increase my monthly payment, I was considering decreasing my retirment contribution until the loan is paid off. I am currently contributing the full percentage with a company match and was wondering if this is a wise move or more of a short-term move.My company has a matching policy of 100 for the first 2, 50 for the next 2, and 25 for the next 4. They do this for three different buckets pre-tax after-tax Traditional 401k, and a Roth 401k and Im contributing 8 of my paycheck to each.The education loan has a 6.6 interest rate with a current balance of 18,732.99. I was wondering if I should cut back to 4 for each bucket or even 2 and redirect that money into my loans instead. ---Current Balance:18,732.99Current Monthly Loan Payment:600 of Months:35Current Retirement Deductions:559.38888Adjusting that to ---Proposed Monthly Loan Payment:900 of Months:23Proposed Retirement Deduction:279.69444While writing this out it made me think, maybe I could keep the pre-tax contribution at the max 8 while dropping the other two to 4 for a 844 split, adjusting the loan payment to 800. ---Proposed Monthly Loan Payment: 800 of Months 26Proposed Retirement Deduction: 279.69 844With the 900 contribution Ill be lopping off a year of payments compared to the 600 from 3 years to 2 years. Does this sound like a wise move? Am I shortchanging my future self for short term relief? Please let me know if I need to provide more information or expand my field of view.Assistant: You should contribute enough to get the maximum out of your employer match and not more while paying down your debt. The return on your employer match exceeds the interest rate on your debt.Human: So the 25 match for the final 4 is better than using it to pay off the loan? i.e. 25 6.6?  <response>: Yes. 