@Caroline Gerardo BUT, since you are self-employed you could open a solo 401(k) and roll your IRA into that. Then you could take a loan of 50% or $50,000 (whichever is less, but in your case will be 50%, or the $34K you need) from the 401(k) and apply it to your credit card debt. I think (and @Dmitriy Fomichenko could fill in or correct the facts here) that you will need to amortize that loan over 5 years and charge yourself a fair interest rate. That said, the interest rate will be less than all of the above credit cards, especially the non-AMEX ones. Your payment on a 5 year amortization will be high, but it might be the hurdle you need to jump in order to both free yourself from this situation AND have a monthly payment in your budget that you'll be able to re-direct productively once you've paid off the loan.
You are currently paying $382 a month in interest alone. To make a 1% minimum monthly payment, you are paying another $343 in principal, and it will take 20+ years to pay it off (I haven't done the math, but your statements will show you this.). That's north of $700 a month, which is higher than your 401K loan payment would be at 3.25%. And at 3.25%, your interest costs would be less than $100 a month and falling, with 85% or so of your payment going towards principal payback that you can get working for you again in your 401K.
And, the 50% of the 401K you didn't loan to yourself will still be working for you in whatever investments you choose.
So what if this takes 5 years? At the end you are debt-free, have $700 a month in your budget to invest as you please, you haven't lost 30% or more of your capital to taxes (remember that the amount you withdraw is also income and will affect your tax bracket!), you haven't forfeited your retirement account to pay off your 30-year-old-self's debts, and you should be ready to rock! Just never put something on a credit card again that you don't intend to pay off at the end of the month, regardless of the teaser rate or the rewards offered.
Good luck!
Edit: you might not be able to open a solo 401(k) depending on the nature of your soccer school business. Namely, if it has employees. But, you could look at creating a 401K plan for you and your employees and doing the same thing outlined above. It's a different beast, but done right it will still be well-worth it. I don't believe you HAVE to match employee contributions unless you are looking to safe harbor your own contributions to the 401K. So, maybe you could create it, offer it to the employees, make no contributions yourself (for now, at least), and implement the above strategy. It would go through your custodian at that point, since it wouldn't be a solo 401K.
