<prompt> Human: Throwaway for some reasons.Good evening, rpersonalfinance. Im not going to beat around the bush. I have about 4200 in credit card debt. My current interest rate is 12.1537;. Recently I got an email from credit karma talking about taking out a personal loan with a lower interest rate than the credit card and paying off the card with that. My question is: is that really a good idea?I work full time and get paid bi-weekly, about 2100month. military I have the ordinary monthly bills to pay phone, insurance, internet, gas which leaves me with about 1600 of disposable income at the end of the month. Ive been paying the minimum requirement on my card for a while. Ill make some bigger payments here and there but I just want this debt gone.I know i fucked up. I use my card impulsively and Ive definitely learned my lesson. Ive been cutting back on a lot of stuff just to get some money in my savings account because Im actually terrified at the fact of suddenly becoming jobless or getting discharged and not having enough money to sustain myself. Thank you for the help in advance.  <response>: 12 is a pretty good deal as far as CCs go. interest is not killing you. you are choosing to make minimum payments. 