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But consider this: The going rate on 401(k) loans is prime plus 1 percentage point, or 4.25 percent right now. And you pay that back to yourself. If you have some of your 401(k) invested in low-yielding bonds or guaranteed instruments and you need to borrow money for an important reason - to see you through a medical problem, for example - and you know you'll be able to keep up the payments, it may be a better deal than an unsecured loan or credit-card debt.
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