<prompt> Human: Hi PF!I am 26, have a good job 70k and 50k in student loan debt at 6.55. My company has 401k match at 50 of contributions up to 4 of salary. I currently contribute 10 of my salary to the 401k, but I am thinking of lowering my contributions to 4 so I still get all of the matching funds and putting the difference toward my loan payments.I feel like 6.55 is a high enough rate to want to pay down, but is there any reason that this is not the best idea?  <response>: I feel like 6.55 is a high enough rate to want to pay down, but is there any reason that this is not the best idea?I see nothing wrong with this approach. Investing in your 401k above the match could theoretically yield higher returns, but it is in no way guaranteed. 