Financial gurus here?

Well, seems there was a time limit on this offer so its passed 2 days ago but it comes up every year. Ill ask my church finance arm, Thrivent, for some advice. I think taking it out to pay a debt is not worth the tax ding after all.
You can go to daveramsey.com and search “smartvestor” to find an expert in your area. Dave would give the same advice others here have given. Roll it over into a direct transfer IRA.