<prompt> Human: Ive read the pinned posts and reviewed the posts here... I still think we need personalized advice. Sorry if this is not the case.He is 18k in credit card debt across 6 accounts. Hes been making minimum payments for years and getting nowhere obviously. We know we need to consolidate but we dont know if it is better to get a personal loan or find a 0 APR card with 0 balance transfer fee. Both of our credit is high 600s. If I were to co-sign we may be able to get a good rate on a loan. I was recently approved for a 10k card. Perhaps we could open another cc account and balance transfer all the cards.Any help would be appreciated.Edit: we are planning on getting married. All the APR s are 24-27. With one card flying under the radar for years with 0. 2k on the 0 card. We were approved today for a 15k 60 month loan at 17.5 from USAA.The main reason we want him to consolidate is to simplify his life. Wed much rather have 1 payment and close the rest.  <response>: Sounds like this is a not a person you want to be co-signing with at all, not to mention shuffling his balances to your cards???Shuffling debt around doesnt help, paying it off does. 