<prompt> Human: So my gf is not in the best financial shape. Her credit card debt:3567 at 18.991900 at 24.242700 at 14.24Her income: 2000month. 400 of this goes to payback a friend she owes money to, 414 to federal student loans and 350 to family cell phone plan. This leaves with 830ish dollars a month to throw at her cc. She lives at home so thankfully she has no other expenses.I suggested she apply for a debt consolidation loan. She was approved for 8000 at 29.95. I shopped around and this is the only company to approve her...Which is the best route to take? The debt consolidation loan or should she stick to just paying off her credit card debt through their respective companies? The most she can afford to throw at her debt is 750 a month. Assistant: 350 to family cell phone plan?Human: Yes. 6 people in the plan and multiple devices  <response>: If she is paying for so many people, why doesnt she use the 3rd party cell phone companies like metropcs, us cellular or any Walmart plans to cut it down by more than 50 at least. 