No. of Recommendations: 4
Think I'd be looking at a classic snowball, taking highest interest rate first, assuming the 8.9% stays that way.

Minimum payment on the cards aren't bad, so throwing any extra money at them in sequence should clear up the smaller ones pretty quick, giving you larger amounts to send to the others.

It's that personal loan that's killing you. Yikes.

There's lots of problems with cashing out retirement, and assuming you can handle the payments and come up with at least a small amount extra (and you stop using the cards) you can get out of this sooner than you think.

One of the biggest things we've seen people do over and over again is cash out retirement and get right back into massive debt again within a couple years. Every one of them said they'd learned their lesson about debt and wouldn't do that, but they did. It's just not a good idea.

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