Here's the skinny; I make about $400/wk after tax. Wife is stayhome mom, trying to start day care buisness. She quit her job 2 yars ago but still has a 401k there. Credit cads; fnanb $3500 19.9% current Sears $1300 19.9% current Student loan $4000 6% ahead Direct merchant $6000 29.9 PERCENT 12 DAYS LATE THEY'RE ALEADY CALLING 3 TIMES A DAY! We live on the cheep side, even qualify for a welfare program for the baby (wic), but can't seem to come up with more than the minimum payments each month. our two cars are getting old and we'll need a new (used) one pretty soon. DMB closed my account but I still owe, If I could get rid of it I could easily take care of the rest. My plan is to cash in the 401k (since she's no longer working) and pay it off. We think we can get $8000 from it after the tax hit and all. Then come back here and start working on our credit scores and Int. rates. We havent had a late payment in about 2 or 3 years. Any thoughts appreciated.