debt dummy here... but for the 401K loan, aren't you paying yourself the interest anyway??
i say - go for the credit card... it is the higher interest amount.
not sure of your situation - but if you are still employed at the same place, that 401k loan payment comes right out of your paycheck - gone, paid, poof! no envelopes, stamps or worrying.
GL!
and congrats on the gift. hope you sent a nice 'thank you' card!