<prompt> Human: Ive changed by spending habits and have gone down from 17k to 12k in credit card debt over the past 6 months. Is there any reason I shouldnt consolidate for about half the interest rate?I know its risky if you just put more money on the cards, but Ive proved to myself I can aggressively pay off this debt. Spending habits have changed as well as getting a big fat raise. I may use a card for rewardsrevolving balance but I will not carry a balance.Are there any other reasons I shouldnt take a personal loan? Ive worked with USAA before for a car loan and insurance and they have been amazing through my younger lending years.  <response>: Potential negatives:1. personal loan interest rate is as high or higher than CC debt. you never want to move debt from a low interest rate to a higher interest rate2. Psychologically, if the personal loan has a longer term and lower minimum payments, you may not feel the stress as much and stop putting so much towards your loans. Maybe even paying more in the long run by letting the debt stretch out, even if its at a lower rate.3. Loan origination fees or balance transfer fees might outweigh the interest savings.If none of these are a concern, go for it, but keep dumping all that money towards it. 