<prompt> Human: Hey guys Im new to this thread and I was just looking for some advice and pointers into paying off my CC debit. Ive made some poor choices in the past and managed to rack up about a 8,000 in CC debit. I work as an RN 3 times a week and recently got another job PRN to get more money.3000 is on one cardChase Freedom with an interest of 23.245000 is on the otherChase sapphire, interest 20.24With all my bills paid off not including food and going out, I have a little over 1000. I was thinking about putting in 400 every month and budgeting 600 for the other use. So my question is should I use the snow ball method and pay off the 3000 cc first? I also read that I could apply for the Chase slate and balance transfer to pay it off that way so I dont have to pay interest for a few months. What do you guys recommend?Also what do you guys think about using YNAB?Thanks guys!  <response>: Those interest rates are crazy. Speak with your bank--some banks will offers loans for credit card debt to clients who have a good banking history. My wife and I were sitting on over 10,000 in high-interest credit card debt for several years. Without the option to consolidate the cards, we asked our bank if we could take out a fixed-interest loan to pay them off. Our bank paid off the cards, and we now have a single loan to pay off at 4 interest. After a few months, weve already paid off several thousand dollars. 