<prompt> Human: Hello rpf : Im hoping you could offer me some valuable advice.I graduated University this past May with a Computer Science degree and a sizeable student loan debt. Fortunately, I secured a well paying job in NYC which I started in June. My employer has excellent benefits and they will match 50 of my 401k contributions, with 7k max match a year. My main question to you, is that Im not sure what is more beneficial in the long run: 1. to be allocating as much money towards paying off my student loans as fast as possible2. to max out my company match, or 3. to strike a balance? Here are the facts: Student loan debt: 46k 29k at 6.8 in my name, 17k at 7.65 in my parents name Base salary: 90k Monthly rent: 1600 Manattan is so expensiveWhat I have been doing is allocating 400 a month towards 401k 600 with the match, and 1400-1800 a month towards the loans. Im paying off both the loans under my name and my parents. My concern is that it may be more beneficial for me to be allocating more towards my 401k because the match is offsetting my loans interest rates. Things to also consider: 1. I receive a guaranteed 4k bonus after taxes in Feb. I will most likely put 80 of this towards loans2. I have my year end review soon and Im expecting anywhere from 3-11 raiseAlso, because I dont have Credit History besides these loans, my credit score sucks 650ish I believe, and I cant even get a student credit card!! What can I do about this? Ive been denied by Chase and Discover.Thanks in advance for any advice you can offer :  <response>: Go to your payroll department and bump up your 401k contribution for 2013 to receive the full 7k match - TOMORROW! Nowhere else can you get a 50 rate of return on your money and valuable tax-advantaged space.I make less money than you, my student loan debt is greater, same housing expense, and even I contribute just enough to match. 