Financial Advise???

[Raralith]

Borrowing from 401K to pay debt is very bad idea. If you don't have money to pay your credit card now, will you have the money built into your budget to pay back your 401K??

That's the main thing here. If you are just doing it to buy time, transfer the balance to another card. Or hell, borrow it from a relative (mom, dad, sister, aunt, whatever) if need be because 19% APR is 1.58% per month. At $6k, you would pay $95 in interest the first month. Try lowering it too if you can't do any of the above.

If you can't do any of the above, and you have to pay the credit card down, you can pay it off in a year if you pay $552.94/month if you buy nothing else on it. You'd also pay $635.27 on interest too, more than 10% of the principle amount.