>>There's been much said about debt consolidation, but no real "best" option.<< Everyone's situation is different so everyones solution may differ. >>I've got $26,000 in credit card debt...<< OUCH! Your best solution is to do anything but leave this debt on high interest credit cards!This is my opinion: Due everything you possibly can so you do NOT borrow from your 401k plan. This is for your retirement; it compounds; don't touch.Are you still using your cards? If so stop, stop, stop. Do everything you can to stop spending. Yes it might hurt in the short term but you'll feel a hell of a lot better in the long run. Are you still investing in your 401k? If you are, I suggest you stop as soon as possible and put this monney towards your debt.Contact local banks, credit unions, ect. and tell them you want to consolidate your CC debt into a lower interest loans. Show them you have equity in your home; show them you have money in your 401k; and show them that you've stopped using your credit cards. Beg and plead (just kidding). :) Anyway, Sorry if I was rough but if you don't help yourself, who will?Best of Luck! AJE
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