<prompt> Human: Hello, Im 27yrs old. I work full time. I hit a bit of a rough patch these past few years and racked up 8 grand between 2 credit cards, a Kohls card, and a Best Buy card. I read taking out a personal loan to pay off the debt would be a choice. I dont want to mess my credit up though. My score is 700, my limits are high on my cards but my score is still decent. Ive never missed a payment or have been late. Im also paying 28 grand in student loans. Any helpadvice is welcome. I live in Massachusetts.  <response>: 8k across four cards seems pretty manageable.List them all out with their balance and interest rate. Pay the minimums on the three with the lowest rates, and every dime extra you can on the highest interest card. Once thats done, tackle the card with the second highest interest rate, until theyre all gone.Whats your rate like on the student loans? 