<prompt> Human: Ill spare you the sob stories about how I got here. Here are the numbers: CC Debt - 9,800 0 through July 2018- 1,200 14.99 APRPersonal Loan - 11,744 19.43 APR. Monthly payment 459Student Loans- 29,000 in public loans, which are currently being paid by the State of New York under the Get On Your Feet Program- 24,000 in private loans 5.06 weighted average. Monthly payment 205IncomeAfter taxes, child support, etc, take home pay is roughly 2600month. BudgetI dont have a formal budget put together, which is part of the problem. I started using Mint but havent done much with it other than monitor my payment due dates and track my net worth. But I have no car payment, no rent payment, and very few recurring monthly payments. The only things I really need to buy are food and gas. My employer reimburses my phone and I get mileage for work drive roughly 160 miles daily, which more than offsets the cost of gas. Conservatively speaking, my monthly expenses excluding payments on debt are probably 500 - 600. I have 13,000 in my 401k, and Im 25 years old.Now, Fidelity will allow me to borrow up to 6,400 from my 401k 4.25. I know everyone always says you should never touch your 401k for anything until retirement, but Im thinking it might make sense here to borrow the maximum 6,400 and pay down some of the personal loan for whats essentially a guaranteed return of 19.43, which is greater than the return I earned on my 401k last year. Fidelity shows my personal rate of return was around 16 in 2016, but this is a geometric money-weighted average, whatever that means. Should I borrow from my 401k, or should I try to refinance the personal loan for a lower rate first? If I try to refinance, what should be my benchmark interest rate? Should I be comparing the refinance rate to the 6-7 average expected return on the market, or should I compare to the 16 I earned last year? Any advice would be greatly appreciated. Thanks! : Assistant: Can you post your monthly budget? Itll help get a clearer financial picture. The monthly payment listed for your debts, is that minimum payment or what you actually pay?Human: Those are minimum payments for both the student loans and personal loan. I dont have a formal budget put together, which is part of the problem. I started using Mint but havent done much with it other than monitor my payment due dates and track by net worth. But I have no car payment, no rent payment, and very few recurring monthly payments. The only things I really need to buy are food and gas. My employer reimburses my phone and I get mileage for work drive roughly 160 miles daily, which more than offsets the cost of gas. Conservatively speaking, my monthly expenses excluding payments on debt are probably 500 - 600. Is that enough to go off of for now, or do you need more detail?  <response>: With about 22k in high interest debt, and a free 2k each month, I dont see the problem. Get it payed off in 11 months. Then work on the student loans. 