never ever take out another loan against your 401k, especially not for a vacation. For someone in your situation I would advise to pay down all your debts as fast as possible. Start with the lowest debt first and work your way up from there. Most people when they attack debt with the highest interest rate/balance they get frustrated because they dont see the kind of momentum necessary to pay it all down in a short period of time. Here are the steps I would take:
1. build up an emergency fund of at least 3 months of reserves, for you I'd save up 6k
2. attack the smallest debts first and once you have those paid off, take the payments you were making on those and attack the next smallest and so on and so forth until you are completely debt free
3. invest more aggressively into your 401k and start a roth IRA. Ideally you want to contribute 15% of your income to retirement. This step is a lot easier when you dont have to divert your income towards debt
-dont buy your next car with an auto loan, buy it with cash, paying interest on a depreciating asset is one of the worst things you can do, and that's not just limited to cars but anything that is depreciating.
-set up a separate savings account specifically for vacations if that is something you enjoy or feel is necessary. you dont want to dip into your emergency fund for this or your investments, so if you need that in order to relieve stress, set aside money on your own in order to fund the trip outside of debt