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Help!

I owe 80% of my gross income on credit cards! I CAN make my monthly payments but I have no breathing room beyond that. I was thinking of cashing in my 401k's to reduce my debt by 10k but that still leaves me owing 70%. I just bought a house this year so I am hoping for a good sized refund but am still panicking. This move (cashing in the 401k) would allow me to save $200 or so a month on credit card payments. Any ideas on whether this move is good or not would be appreciated.

Thanks!!
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