<prompt> Human: I have about 6,000 dollars in debt-- completely maxed out my credit cards. I can only afford to pay off the interest. Would it be smart to try to take out a loan or another card with a lower interest rate to transfer or pay off debt? Thank you!  <response>: So the real problem is that youve been spending significantly more than youve been making. If you cant fix that fundamental problem then everything else is moving deck chairs around on the Titanic.The best advice here is to track every single dollar of your spending and make radical cuts in every category possible, while simultaneously working to improve income, whether thats getting a better job, or a promotion at your current one, or a second job, or some side income in any way possible mowing lawns for neighbors? shoveling snow?. 