<prompt> Human: So, Im looking for some advice from someone who is most likely more money savvy than myself.Im currently in debt. For my current situation, its considerable. Im trying to improve my credit score and reduce payments on what I owe based on interest rates and things like that, and Im trying to see what options are available to me.Right now, heres an approximation of my current debt:2000 on a 24.9 credit card3300 on a 14.24 credit card700 on a retail credit card currently not charging interest and the current balance will not charge interest until November 2014400 on a 22.9 retail credit card2400 at 7.75 on a private student loan35,000 in student loans currently in forebearance until June 2014I also dont own any worthwhile tangible assets I rent, and my car is a POS. I do, however, have a 401k more on that later.Now, let me make one thing clear: Im getting by right now. Im making more than minimum payments on most of these debts, but I know theres a big ugly head looming for me in June. The interest charges are substantial on some of these, and I know thats hurting me. Addtionally, Im looking to relocate closer to my current job in about 6 months, so my cost of living is definitely going to go up.Right now, these are the following options that I see available to me:Loan Consolidation: Ive heard mixed reviews about these, and I have friends who went through this years ago and are still a long way from paying it all off. It seems like that, while it helps to reduce payments, youre making those payments for quite some time.401k Borrowing: I have the option of borrowing against my 401k. The full stats are the following: I can borrow 3500 and use it to pay off high-interest loans. Assuming a 24-month loan period, my APR would be 6.84, and I would pay back a total of 3754.67 this includes interest and fees. The repayments are post-tax payroll deductions.Normal Private Loan: I would imagine that this would be more expensive than a 401k loan, though Im not sure how feasible it would be.ESPP Employee Stock Purchase Program: In 6-month increments, I can invest money into a brokerage account. Every 6 months, the money invested is turned into company stock, and is purchased at the lowest share value within that 6 month period. I hear good news out of this practice from other employers, but this is 6 months down the road.Id appreciate any assistance you redditors can provide. :-  <response>: Your best bet is to get on a tight budget and throw all the money you have at your debt. Interest rates arent your problem, your balances are. Thats one reason why loan consolidations of any kind dont work. You havent actually done anything. Loan consolidation companies often dont pay your bills, trash your credit, and then months later negotiate on your behalf. Not a good idea and if you really wanted to do that you could do it on your own.The 401k loan can go bad quickly. If you leave your job you need to pay the loan back fairly quickly or its treated as an early withdrawal and youll pay taxes and penalties. Whats your budget like? How much do you make and how much do you have left over every month? 