<prompt> Human: Im 34 years old. Family of 4, over the years been living beyond means, but the biggest factor, rent, has been corrected. Currently pay about 1800 for rent, and we are now living within means and have built up a 2 month emergency fund in a savings account.x200B;My biggest question is: should I take out a 5-year personal loan at around 11 APR to replace the CC debt around 17 APR, or look at a loan from my 401k? The 60-day payback period if I leave my current employer is scary, though I guess I could get a personal loan to cover it in that event. x200B;I would like to buy a house ideally in the next couple of years or sooner if possible - family has offered to help with down payment in the form of a gift.  <response>: Do not pull from your 401k. Do you have 20-30K to pay out of pocket should you be fired or leave? No.Consolidate it all with the 11 loan and bust your ass to pay it off. 