<prompt> Human: I make 40k a year and have about 9,911 dollars in credit card debit. My credit score is 697. I live at home with my parents. Should I take out personal loan or are their any other better options? To help me get rid of this debt. Any help will be appreciated.Also checked to see what interests rates would be at Lending Club for 10,000 loan itll be 19.99 APR. Assistant: First thing to look at is your budget. Post it. How are you spending 30k each year when youre presumably living rent free?Human: Monthly Expenses: T-Mobile- 270.91Fios- 129.00Car Insurance- 120Gym Membership- 21.39Credit Card 1- 225Credit Card 2 - 200Apple Music- 16.04Utilities- 300  <response>: 1. Thats only 15kyear. 2. Thats not a budget, thats a list of bills.Make a budget. You have enough discretionary money to not have to take on more debt to pay off your existing debt. 