Can I use the money in my retirement plan to payoff CC debt/student loans without penalty?

I have a substantial amount of money in my retirement plan and pension. Is there any way to use that money to payoff my current credit card debt, student loans, or car loans without being hit with the huge early withdrawal penalty?

No you cannot borrow money to pay off credit card bills. A loan can be used for a home purchase or extreme hardship.

You will end up paying about 50% in penalties and taxes.