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No. of Recommendations: 5
I would pay these two first:

$23,000 to 401K loan - you're mortgaging your future, otherwise.
$28,000 to CC - covers both the 5.99% and the 24%

For the other two, I would consider placing the money in a savings account if you can trust yourself not to touch it until Feb 2008. That way, you earn 5% on it until then. At that point, I would pay off the $16,000 before it rises to 9.99%.

I would leave the remainder in the savings account earning interest while paying off the 3.99% BT for life. This is, of course, provided you are disciplined enough to leave it in savings and not take it out to buy a latte or seven.

My $0.02,

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