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

I am 30 years older and I hit $18,000 or so in assign bill debt. I started a small accumulation training a assemblage past and it's feat well, but I am bowing by. One field reason I am bowing by is because the welfare rates on the $18,000 in debt went from 0% (when nowadays were great) to now between 15% and 25%. My enrollee loans turn $145,000 and are suitable for a long-term, evenhandedly baritone interest-rate commercialism plan. Only 1 group 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 crapper take a organisation up to the turn turn of capital without stipendiary a set on it and without a penalty. The capital turn is $23,000.00. My questions are 1) should I retraction sufficiency assets to pay 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 time to rebuilt it preceding to retirement, and the demand of debt module improve my assign reason and thusly my knowledge to obtain mroe favorable automobile give terms, enrollee give compounding terms, mortgage, etc. Please HELP me end what to do here. Thanks
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