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Also have access to 35K in a home equity loan at 9% available if needed (zero balance now).

Also have no equity in the house and the payments are $965/ month.

Ummm...If you have no equity, I would not count on the HELOC being there when you try to tap into it. Banks are re-evaluating those things lately.

The 401K is down to 80K with a maximum withdrawal of 11K and loan of 41K

Also, when I worked in the pension biz (about 3 years ago), one could not, by law, borrow more than 50% of the account value (less any outstanding loans). So 41K loan on 80K would not be possible. Unless you are rounding off the 80K a bit?

Also, if you took out 11K, then your balance would be $69K & you could only borrow $34,5K.

Unless the laws have changed...maybe someone will come along & correct me.

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