I re-read through the paperwork and it specifically says that I can't roll over to a Roth, it would have to be a traditional IRA. Cookie is spot on about the $ limit b/c of the roll over. I wouldn't be contributing any additional for another 2 years. Texas teachers have their own retirement thing they contribute to, so I am not sure how that would all work. I'll have to research that.
I am thinking seriously about taking out enough to fix my van and pay off all debt, then roll the rest over.
We aren't talking about a huge amount of money here either, well it is a lot for me in my situation b/c it would solve my $ issues, but it isn't some grand amount.