There's been much said about debt consolidation, but no real "best" option. I've got $26,000 in credit card debt that I want to consolidate. Is the best option a home equity loan (I only have $12k in equity) or to borrow from a 401k ($22k available) that I rolled over to other accounts when I changed jobs 13 months ago? What are the rules about borrowing your own (former) 401K funds now invested in other areas?
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