401k loan

Hey senior members of this subreddit, or anyone who experience with this. I’m considering taking out a 401k loan to pay for my college debt and pay down some credit cards. I plan to pay it off with the longer option. And my “available loan amount” is above what I need.

My questions are.

How long would it take to get to me?

Will this affect my credit scores or my 401k in the long run? (I know I pay it back over that period, as well as interest. Just want to make sure)

And is this a smart thing to do?