<prompt> Human: I recently checked rates on Payoff, looking to consolidate my credit cards to one lower interest rate. I received three offers for 23,500 payoff. 1 686.39mo 19.99, origination fee 940, 48mo2 629.22mo 22.99, fee 1,175, 60mo3 812mo 16.99, fee 705, 36mo Below are my three credit cards, amount owed, and interest. Credit union CC 17,700 18Discover 5,100 24.7Amex 1,000 21Student loan of 15kI also have a car payment totalling 5,100 with an interest rate of 9.5.Based on my two HIGH interest cards, I am leaning towards the 16.99 APR loan. Ive done budgeting and have switched to a cash only system to pay for food, fun etc.. Switched to night shift to pick up extra money, thinned out streaming mediaamazon etc. Using a anon burner account because im embarrassed of my debt.  <response>: Theres no point in doing a consolidation move with an APR higher than some of the cards debt youre consolidating. Whats the rate associated with your 15k student loan? If its 6 or 7, it would be insane to roll that debit into a 16.99 deal with a 705 fee.I dont see any advantage for you here. Even the cheapest of the three consolidation offers, 16.99 705 fee 36 months, is worse than just paying off all your cards except Discover and student loan under current terms.Youre looking at the monthly payment and thinking: thats better. Thats the wrong way to look at it. When you look at the interest youre paying out, its in all likelihood worse. 