In addition to what Kyle has suggested I would like to comment on the cashing out part of your question.
I believe Kyle is asking if you are at your current employer or not because if you are asking about a plan
As a general rule you want to pay down your debt with the highest interest rate first and then the 2nd highest, etc. This will save you the most interest cost over the term of all debt combined.
When you explain how
Unfortunately, it's impossible to answer your question without knowing your age, financial situation, financial objectives inside and outside your 401K, risk tolerance, investment time horizon and projected retirement date,
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