<prompt> Human: I made some poor decisions last year and I racked up about 18,000 of credit cards debt. I want to pay them off by the end of 2018. Whats the best way to do this? Do i need to consolidate my debts? I dont want to ruin my credit score. Thank you  <response>: Whats the best way to do this? With money. Theres really not enough information here to give a real answer.What are you debts? APRs? Minimum payments? Post your complete monthly budget. 