<prompt> Human: It seems to make sense to me. Id rather pay that off than paying interest on my credit card every month. Im really only able to make the minimum payments and its killing me.  <response>: It sounds like you need a budget. You can set one up for free at Mint and then you can see where all of your money is going. Once you can identify some places where you can cut back, cable, cell phone, eating out, huge grocery bills do so and use that found money to pay off your debts.Taking a loan from your 401k is not a good idea, because if you lose your job, the loan is immediately due. If you do not have the money to pay the loan off which you currently dont, it is no longer a loan, but a pre-retirement distribution and you will pay taxes and a penalty on any withdrawn amount.The other reason not to use your 401k to pay this off is that people will often use their newly paid off credit card again and rack up another set of charges, starting the cycle over. If you can avoid doing this and your job is secure, then a 401k loan might make sense. 