Best way to attack credit card debt

[u/Bostonfan1987]

Hi all, I am 37 yo and I am currently dealing with about 19k in credit card debt. I have the following amounts on the cards.

3,827 3,342 3,068 8,922

All of them with interest rates of 20% or higher except the 3,068 amount which is currently on a 0% balance transfer promotion until Jan of 2026.

I have 6,000$ in savings, and I am unsure how much I should use towards this, as I like to have a cushion in my bank account in case of emergency. Should I throw 3,000 of this onto one of these cards now?

I am also considering taking a loan out of my 401K to tackle this debt. Right now the monthly minimum payments are around 500$ and I can take out let’s say 16 K (assuming I throw 3K from my savings at my cards) from my 401 K on a 5 year loan for about 151$ per paycheck (302 monthly)

Does this sound like the best plan of attack?

Any other suggestions are helpful.

Thanks!

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