<human>: Hey guys, first time poster on here and I don't come across too many people in a similar situation as my self, so I have come to ask. I am currently 25, unmarried, making about $42k/year before overtime (an extra ~$3k) paying $700/month rent and utilities. 

I elect to put 5% Roth 1% Standard 401k, with that 6% matched dollar for dollar. I have about $14k total there since 2010. 

For the last year, I optioned for 10% of my salary into my company ESPP, which gets me 15% off the cheapest closing price of a 6 month period (ex. just purchased 23 shares @$100, which is 15% off the cheapest stock price since Jan. 31st 2015). I work for a very profitable and reputable company thats seen quarter after quarter growth so I feel its a safe investment with instant gains.

My problem is, I have about $3k in credit card debt at 22% interest that I am working towards paying off, as well as a student loan with about $5k left at 6%.

So my question is, should I continue my high allocation to my ESPP, at the expense of elongating the process of clearing debt? I can take a 3.5% loan from my 401k to pay off the cards in full, and pay back myself that interest over the next 2 years? I have looked into that option as well. Thanks for any assistance.

Can you condense the text into three sentences or less?
<bot>: Have $3k of 22% interest CC debt, is 10% ESPP allocation too much? Should I be more focused on alleviating my debt, then get free money?