<prompt> Human: Hi all,Title is pretty self explanatory. Im in my mid 20s, and I have a good amount of debit about 10k in CC debt, 10k in personal loan debt, 50k in student loansThe average interest rate on the CCs are about 18, the student loan is 6, and the personal loans were mores payday loans and carry a high interest rate, well above any returns Id see in a 401k.Is it dumb to contribute when I have all this debt, especially since theres no match?  <response>: about 10k in CC debt, 10k in personal loan debt, 50k in student loansYuck. The average interest rate on the CCs are about 18, the student loan is 6, and the personal loans were mores payday loans and carry a high interest rate, well above any returns Id see in a 401k.You gotta pay off this debt. Start with the highest rate first. Those payday loans are killers. Pay them off ASAP. Then the CC debt. See if you can trade that CC debt to another card on a 0 interest promotional rate. Thatll buy you time and save you some money. Is it dumb to contribute when I have all this debt, especially since theres no match?Yes. 