I am in debt about 60,000 (including a 30K school

I am in debt about 60,000 (including a 30K school loan) I make about 90K a year. I want to be debt free but need advice where to start. I have can take a retirement loan of about 15K to pay some down...but people are telling me to do so.

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Your school loan should be treated seperately from all other debt.  Do you owe federal or private loans.

What type of debt is the other 30K?

Taking a loan from your 401k is not going to make you debt free.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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