The only reason to forgo a match is in the case of cliff vesting, where you go from 0-100% all at once. In this case, you’ll get a 50-100% return (who knows, maybe you’ll change your mind or it will take you extra time to find a job that you’re happy with) on every dollar you put in. Unless you have some payday loans you haven’t disclosed, you’re not paying debt at more than 50%.