I have massmutual for my current plan.
and my car loan is a 9.9% (which is after a refi last November from 18%)
I'm not familiar with massmutual. From a cursory search it looks like they have pretty high expense ratios on their products. I would roll over directly in to Schwab or Vanguard. I know Vanguard was helpful to me when I used them, but plenty of people use schwab.
https://www.bankrate.com/investing/401k-rollover-guide/ Don't forget the 60 day time limit. I'd put it all in to VTSAX at Vanguard, but end date retirement funds are a diversified choice and might make more sense if you're at the beginning of your investing career.
Your car loan sounds absolutely bonkers. This is obviously more of a spending question and not an investment one, but what happened there? Did you buy way too much car? Can you sell the car, pay off the loan, get a beater, and work on your credit score? Use a bike? 18% (or 9%!) for a car loan is highway robbery. Regardless, though, you take 10% right off your 11,000 in fees because you are violating the terms of the 401K tax shelter, so it STILL doesn't make sense mathematically.