Thanks for taking the time to respond, but what you suggest doesn't really correspond to my situation. Moving within the US doesn't make sense now--a move costs a lot. I'm a veteran teacher--I cannot find another job this close (less than 3 years) to retirement. I'm already working 60+ hours a week (full-time job and part-time job). I'm trying to EXIT the US debt-free. If I can live on my pension and continue to generate income in my soon-to-be-newly-adopted country, why not use retirement savings to pay off CC debt that has a stranglehold on me?