Well, $50k of your account is currently invested in a fixed-income note returning 2.88%. Your retirement account would likely benefit from having that $50k in something that would provide a greater expected return. At the same time your outside-of-retirement-accounts financial life benefits from having a loan with an interest rate lower than you can get anywhere else. What do you want to grow more right now: your retirement account or your other assets? The answer to that should point you in the direction of what to do here.
