<prompt> Human: Guys I need some advice. I acquired a bit of credit card debt due to not having alot of hours and needing to pay bills I used the cards. Ive thought about taking out a personal loan, but Im worried about paying more in the long run. Can you please give me some guidance so I can find my way forward. Thanks in advance.  <response>: You can probably kill this debt with good budgeting. Post your budget. 