[Jaynen]

I would say unless you 401(k) is averaging significantly more than the prevailing interest rates for consumer loans or mortgages, then borrow from your 401(k) to pay off that debt. That way you're paying the interest back to yourself; and if you're a homeowner, you can file a lien against your primary residence to secure that note and write off the interest that you are paying back to yourself. Pretty cool, I think.