<prompt> Human: Im currently 25 and have around 12,000 in credit card debt 100 utilization, 35,000 in student loans, and a 5,000 revolving line of credit 100 utilized. I moved to Chicago with an ex together at the time 2 years ago, we broke up and I assumed his share of the rent payments total of 1,800 per month. My lease ends in March and Ill be moving to a much cheaper place. I accumulated much of the debt paying for us both to move across state lines and with my rent so high, Im barely making any dents in the principal amounts of my credit card debt. Im very frugal with my money now and dont spend any more than I need to in a given month. I make roughly 3,200 after taxes per month and receive a 3,200 bonus every three months. Ive been putting those bonuses towards my student loans.I currently pay roughly 600 per month for my credit cards combined and thats just the minimum payments. My credit score is shot 550 and I need to get rid of this debt and consolidate it into a manageable loan. Unfortunately, every prequal or soft pull offer I can find online, I dont qualify for. The only thing I do qualify for is a 10,000 loan from OneMain at 36 over 5 years. I know that once I move in March Ill be able to pay more towards my debt, but as Im running out of options Im very tempted to just take that loan offer and get this burden off of me, even if the interest rate is horrible. Im not sure what else to do...  <response>: Dont take the loan and put your bonuses on your credit cards. Problem solved. 