Financial Advise???

[shilala]

Originally Posted by St. Lou Stu

IMHO, if you're willing to take the 401 hit, it must be done to completely resolve the CC debt.

I agree on all that other stuff you said. Add the penalty and the income tax hit and she might end up with 3k in hand for a 6k debt.
A better option would be to apply for a new credit card and transfer the balance. Especially one with no interst on the balance transfer.
Then cut the credit card in half, eat oodles of noodles for a year, and get it paid off.
Her other option would be to marry a rich guy. That'd probably be quicker.