<prompt> Human: As title says, my brother had a great job and just recently lost it. His credit score is in the 800s. The problem is his interest is really high among the 3 cards he has and owes about 30K.He was debating on applying for a personal loan with a much lower interest rate. However, before he goes about it, I told him I would help research the best way to go about this. Here I am, asking you guys, what is the best way to go about this?edit: You have all been of utmost help! He is doing freelance work already and is looking for a job, I have also offered him some work with my business. He will be able to make the minimum payments but the interests is whats going to rock him. Also, to answer some of your questions as to why he got in debt with a great job. Simply put, he was foolish with his money and had no money management skills.Again, thank you everyone for your advice, I sent him over here to read.  <response>: Find a new job or even a part time job. Start hustling. Freelancing. Anything to keep the income afloat. 