<prompt> Human: So I have a lot of debt thats destroying my credit score. It dropped from a score of 790 down to a 639 and it keeps dropping. Car payments are 350month along with 250 in other credit card payments that month. So Im paying 600 a month just paying to debt with a paycheck of 1000 - 100. I owe about 4,095.34 on the jeep with 9,000 on the cards combined. People tell me that I dont have that much debt, but I dont care. I cant even enjoy things anymore because I go broke one week after payday. That forces me to dig into my credit cards, which in turns affect to credit score.So hopefully my plan works. Luckily for me I started a Thift Savings Plan years ago. I have enough to take a loan out for 10k with a interest rate of 1.6. I would have to pay about 173month for 5 years.I would be able to pay off the car and maybe one or two credit cards. The money that was going to those cards can be redirected towards others. The effects of my debt didnt hit me until I tried to get approved for a VA loan and was told my credit score was too low. Is this a good ideal to use my TSP loan to payoff some of my debt now? I dont know much about financial stuff so Im not seeing the negative affects of this.  <response>: People that tell you that you dont have that much debt are financially ignorant. 9,000 in credit card debt, probably at 15 or 20 interest rate that youre only paying 250 in credit card payments is a near-emergency. You are not financially secure at all.You need to IMMEDIATELY stop spending on the cards. You need those balances to drop to zero. By adding to that debt, youre just paying more and more interest. You need to stop eating out, stop going to bars, etc. You need to order all of your debts by interest rate, not by monthly payment. When youre in debt like you are, the solution is not to get MORE debt. Its to cut spending drastically so that your debt stops growing, get a second job and maybe even a third job, and pay every extra cent towards what you owe.You cant afford to buy a house. People in debt like you, without a down payment, going negative every month are just getting eaten alive. You need to rent a cheaper apartment, instead of renting a house. 