<prompt> Human: My wife 33f and I 28m have been married for just over 2 years now. When we got married, she had 4,000 in credit card debt and she hadnt made a payment on her school loans in god knows how long. I believe her credit score was in the 400s. Weve been able to improve her credit score quite a bit and weve paid off the CC debt as well as my school loans. My issue right now is that she is paying 6.8 interest on her school loans. We have tried to refinance, but because of her poor credit history, she always gets denied. So here is my thought:- Borrow 26,000 from my 401K, current value is 100,000.- Pay this loan off over 24 months 1060 per month - Total interest paid on the loan would be 1,100, paid to myself- Fees 75 total over the life of the loan, no taxes on the loanNegatives - - Lose out on potential gains- If I lose my job, it counts as a withdrawal. I am not too concerned about this. The company I work for is doing very well and I am considered a high potential employee in my organization. Ive been promoted 2 times in the past 3 years.Other considerations:- We have an emergency fund of 20,000- My wife will receive a pension when she retires- We just bought a new home mortgage balance is 224,000Summary - I know losing out on potential gains could be a big loss, but our cash flow situation could be greatly improved if we can pay the school loans off sooner. Thanks for the help!  <response>: This person thinks its a bad idea: And this person: And this person: But that could be easily ignored if you still wanted to do it, because could find someone that says its ok: 