<prompt> Human: Im 22 years old and have my first two credit cards. Me being irresponsible and having adhd, have trouble managing all the debts I have. I could afford to pay them, but trying to manage them all get confusing. My goal is to pay everything off and cancel some cards and membership I have.If I take out a loan to pay off all my debts, would that be a good idea? Rather than keeping track off 5 different bills, I could just put into one. What loaning company do you recommend? Never made alone before. I have good income, and stable job. Again, could afford to pay bills but because its multiple things, it gets confusing.P.S. I talked to my parents to help me and make sure I dont spend a dime of it. So that loan money wouldnt be in my hands. Would this be a good idea?  <response>: Wait until youre older and have a dozen bills to keep track gas, electricity, internet, cell, mortgage, cable, trash, water, sewer, car payments, home insurance, car insurance, medical, etc. on top of cards. 