<prompt> Human: So I have a question before I spend the money I just borrowed. I have a little over 10k in cc debt that I have been working at paying off with little progress over the last 2 years, due to interest rates and my salary barely covering bills I only made about 1k dent in it so far. Interest rates are between 13-23 on them. I have not used them for any new purchases in that time. I have trained myself to not touch them and stay within my budget, a lesson I am paying for now I wish I had learned earlier in life. I took a 401k loan out that will pay my balance on all my cards down to 0 at 5.2 for 3 year term. The payment out of my paycheck automatically comes out every two weeks and is still going to be about 100 check less than I was paying on the cards. I deposited the check in the bank and am waiting for it to clear.my question before I use the money to pay of those accounts is, should I do it or should I pay the loan off instead and keep trying to make a dent in it.10k credit card debt 13-23 interest401k loan 5.2 interest payed to myselfOnly downside is no extra payments to not pay off early, either repay in full or continue on set amounts.I appreciate any advice or thoughts one way or the other, if I pay the loan back all I will lose is the 75 fee to take it out and the few days of interest which will go into my account anyways.  <response>: Pay off your cc debt. You dont receive that interest back on the 401k loan with an early pay off. Cc interest continuously compounds on the principal and interest, so that is why you arent seeing much of a dent with small payments. 