Hi sorry for the duplicate posts. I'm new here 
No, I currently pay $200.00 a month which is a little over the minimum payment.
Do not dip into your retirement fund!! Any financial advisor worth anything will tell you not to do that. So your first thought on that is completely correct. What you do with the lump sum will depend on how fast you want the first debt you attack paid off. You could very likely wipe out your credit card debt completely. That will free up that minimum payment and you can use that to pay off the student loan faster.
When I was paying off debt, I paid off the smallest one first. I found that I worked harder to get the debts paid off faster that way. It's just a mental thing. According to debt payoff calculators, regardless of interest rate, it would have taken me five years to pay off all of my debt. I did it in 11 months because I saw so much traction right away. But it's a hard decision, because if I had received a large sum of money, I actually would have paid it on my account that had the largest balance, just to give me some relief on that minimum payment. It was $225 dollars, and I was paying $100 in interest a month! It was also my lowest APR card. So there are so many factors to consider than just balance and interest rate. That debt was costing me the most amount of money by a landslide.
Good luck with getting your debt down!!
Leave the retirement alone if at all possible. I like the idea of paying the highest interest first. It's also a good idea that you're knocking off that low balance card of 189.00 right of the bat.
