1. Do not borrow from your 401k - that money will grow better in the 401k and, if you don't repay it, you get a nice tax hit. Just don't do it unless you're going to die if you don't.

If you don't have to pay state income tax, you should be bringing home a little over $4,300 per month. I see about $2,300 in bills, leaving you with about $2,000 free. Don't spend anything extra and you can pay it off in 3 months. It's not gonna be fun, but you'll be done.