<prompt> Human: Hi all, long time subscriber to this subreddit. Throwaway since I am posting more info than I would usually be comfortable with.Im 25, 3 years out of school, graduated with approximately 71k of student loan debt. I got sick of not making any progress on my loans, so last year after I got a pretty nice salary increase I decided to really start kicking ass on them. As of today Im below 54k on student loans. I have 2ish months expenses in savings, and an old 401k with about 4k on it that Im thinking about rolling over, or just cashing out and throwing at my car note. I do not currently contribute to any retirement accounts.33k private -4.75 variable.21k federal -5.6ish average fixed6k - auto - 6.9 car is worth more than what I oweRight now Im throwing 1000month at the private loans 3x min, 400 at the federal ones 1.5x min, and 250 at my car loan 1.05x min.My goal is to be debt free by the time Im 30, assuming I continue to make what Im making now 69k. Any raises if they ever happen bonuses heh extra is going straight to student loans. Ive refinanced the private loans down to their current rate, and that payment plan above will get me pretty close. Im making decent money, but given my other living expenses and other unforeseen expenses that seem to happen every month I live in a large city I will pretty much have to live paycheck to paycheck for the next 3 years until the debt is gone. Im throwing as much as Im comfortable with at the private loans because I foresee a large rise in interest rates and the federal balance has a variable rate, which could very quickly and easily approach 10.If you havent guessed, this debt has made me extremely cynical about life and the world we live in and I want it gone.Am I dumb for just trying to kill off as much of this debt as I can as fast as possible? I cant imagine I could do better than 4 in the markets given that they are at all time highs and due for a correction in the next few years when interest rates start rising, and money spent avoiding interest is money earned as far as Im concerned. Once the debt is paid off Ill start following the rules max 401k, max IRA, etc...Thanks in advance.  <response>: In addition to the good advice adle1984 posted, cashing out your 401k would not make sense due to the penalty.Mentally in debt payment mode, contributing to your current 401k if there is a company match may not sound like a good use of funds, but you earn so much more through a company match than the interest rates youre paying.In your case, the auto loan is the highest interest rate AND the smallest - the extra several hundred against that each month will get it paid off pretty quickly. 