Should I roll over my 401K or use it to pay off debt?

I'm 26 and about to switch jobs. After paying taxes and 10% early fee. I would still have enough to pay off all the debt I have accrued over the past years vehicles, school loans, and credit card debt. If I paid off all my debt I would only have my mortgage to worry about. When I start my new job I was planning on contributing 20-25% to make up for this "start over". Is this a bad idea?

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