<prompt> Human: Im wondering what folks think about taking a personal loan to pay off credit card debt. I have around 7000 in credit card debt and Im looking to basically consolidate it all to be able to pay it off more easily and hopefully more quickly. Is this a good idea or would I just be making my problem worse?  <response>: As long as you have a more favourable interest rate and you are able to make the payments its better. 