<prompt> Human: My husband and I have 3 credit cards that are all at or close to their limit. I was playing around on Credit Karma and am thinking about getting a 20k loan to pay this off at 5 APR for 36 months this was a pre-qualified offer Is it better to do this, or to just keep doing balance transfers at 0 APR? Im leaning towards the loan, just for the lower stress and not having to keep up on the transferring once the 0 APR runs out. The amounts our cards are at are below:5k 14.4 APR 99 used7k 26.99 APR 78 used12k 12 APR 99 usedMy current credit score is about 694. Thank you in advance for any suggestions!  <response>: I would get the loan. this is a lot of CC debt with insane Intrest rates. i would fix your spending habit first though 