I would also advise against cashing out a retirement investment to pay down the debt. Maybe try to balance transfer your debt to a 0% interest card and then see where you stand. Where did your cc debt come from in the firstplace? More importantly, have you learned a lesson from it? In other words, if you were to pay it all off and go get a place of your own, are you confident that you will not find yourself right back in the same position in a year or two?
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"On this day, I see clearly." -Alterbridge
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