Hello, was wondering if some clever bods might be able to advise me. I have stupid amounts of debt to get under control and paid off, which has been tough to handle during my PGCE. I'm about to start my NQT year and am 24 years old. It has been suggested by a friend in finance but with very little knowledge about working in education that I forgo pension contributions for this year only to use that money to pay off more debt. He argues that the debt should be a priority, especially as I'm so very far away from needing a pension. However, was wondering if I could get the opinion of people within education as to how good/bad an idea this is.