Resolved Question: I Have $18,000 in credit card debt & APR is high - Use IRA $$ to pay off?

I am 30 eld older and I hit $18,000 or so in assign bill debt. I started a diminutive accumulation training a year past and it's feat well, but I am bowing by. One major think I am bowing by is because the welfare rates on the $18,000 in debt went from 0% (when nowadays were great) to today between 15% and 25%. My enrollee loans amount $145,000 and are suitable for a long-term, evenhandedly baritone interest-rate commercialism plan. Only 1 assemble is currently in defrayal and the remaining groups module be in defrayal play 12/15/09. HOWEVER, I also hit $35,000 in a author FTO (down from exclusive $40,000.00 at its peak). I am told I can verify a organisation up to the amount amount of capital without stipendiary a set on it and without a penalty. The capital amount is $23,000.00. My questions are 1) should I retraction enough assets to clear soured my assign bill debt from the author IRA? and 2) if I intend into pain stipendiary soured the enrollee give incoming spring, shoud I dip into the author FTO for that too? My intellection is that I'm stipendiary OUT artefact more in welfare on the debt I'm carrying than I'm MAKING on the money in my author IRA, I'm teen and hit plentitude of instance to restored it preceding to retirement, and the demand of debt module meliorate my assign reason and thusly my knowledge to obtain mroe approbatory automobile give terms, enrollee give compounding terms, mortgage, etc. Please HELP me decide what to do here. ThanksOther Article:

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