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Which is better.

Posted By: credit card consolidation. on 2007-08-01
In Reply to:

I have been approved of a loan through Sallie Mae to of a loan up to 10,000 at 19%, 84 months.  I only need 7000 and the payments would be something like 150 I believe.  Anyway, I got another offer to open up yet another cc and transfer my balances 0% interest until August 2008 then it is 7.8% interest. 


The loan, after I pay that off it is over, with the cc i would have another line of credit open.  I have been having trouble making the minimums of this cc.  Boy if you miss one payment, they jack up that interest.   


My other option is to barrow from my 401k at 10.5% interest.  I already have a loan with it and owe 1500.  paying $56 per paycheck.  UGG!  I don't know what option would be best. 




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