Don’t touch your 401K. Don’t borrow from your future to satisfy your present. It's tempting, but let's see what can go wrong:
1. You can't borrow your way out of debt, I don't care if it is borrowing from yourself.
2. Your money stops earning money since you've taken it out of the market.
3. If you lose your job, you'll have to pay the money back or pay taxes and penalties around 40%.