<prompt> Human: EDIT: Thanks to everyone who commented. This post blew up and got way more responses than I was prepared for, Im very appreciative but I now have more suggestions than I know what to do with. Again, thanks everyone except the people who told me to sell the baby.. thats kind of a dick thing to say.Assistant: What are you planning on putting the 10k towards? What is the interest rate on the CC? Do you currently have good credit?Human: I would put the money from the 401k towards the highest interest CCs we have. Of CC debt we have, about 10k is 0 APR until the end of next year. The rest is spread out on different cards that range from 10 to 15 APR and 2.5k-4k each.Our credit is considered excellent, weve never been late on or missed a payment. Yet  <response>: Consider using a site like lendingclub.com or prosper.com to consolidate your loans. Getting the interest rate lower will help a lot and put you on a fixed timetable to be free of the debt. 