Should I withdraw my old 401k's to pay off debt?

I currently have approximately $9,000 in two old 401k's through Fidelity and John Hancock from previous jobs. My current job has a 401a plan (an alternative to social security; we and our employer pay into the account instead of paying social security taxes) where I can take out a loan against the account and pay it back with a good interest rate. The interest paid goes back into the account.

I currently have about $12,000 in credit card debt that I want to get rid of. The 401a account has about $20,000 in it. I am allowed to withdraw a loan of about $9,000 to pay towards that debt. The payments for this loan come directly out of my paycheck and can have a payoff period of about 36-60 months.

I have a few options and I'm trying to figure out which one is best. Which one do you think is the best option?

1) Cash out my old 401k's and put them towards my credit card debt, then take a smaller loan out of my 401a to pay off the rest. My question with this would be what kind of immediate taxes would I need to pay and what taxes would I pay next year?

2) Roll the 401k's into the 401a and take a large loan against it to pay off the debt.

3) Do nothing and pay off the debt normally (which will take a long time in our financial situation).

Additional info: I'm 27 years old, can retire with a decent pension at 53, and will be contributing to a deferred comp plan after deciding on one of the options. Pre-tax income is around $115,000 filing jointly with my wife.