<prompt> Human: Im going to start by saying this - I am horrible with my money, absolutely horrible with it. My mom was the first person to actually push me to apply for a credit card when I turned 18. Got an American Eagle store card and was really good about paying off the balance in full each statement. Fast forward to when I moved out the first time right after college age 20, I discovered more credit cards. Anyways, living on my own and living pay check to pay check I was always left with the decision to either pay rent or buy food. Obviously I chose to pay rent which led me to rely heavily on my Capital One card. Before I knew it, my spending had gotten out of control. Holidays rolled around, maxed out my American Eagle card and PayPal Credit buying gifts and my Capital One Card essentially stayed maxed out. My parents were generous enough to pay off my AE and CO cards as a late birthday gift that next year. Me being an idiot, saw the 0 balance and went crazy with the spending. Jump forward to last fall 2017 and I finally decided to get serious about my spending. I went into my credit union and applied for a balance transfer card. I got approved for 6k, which paid off my maxed out Amazon, American Eagle and Capital One Cards, with a little left to throw at my PayPal Credit account. Once again, the 0 balance got to me and here I am once again with maxed out cards. I really need to get serious about paying these off because on top of all of these cards, I have a car loan and some student loans I am paying off. Im really trying to save and plan for my future and my hopefully one day family, but having this debt over my head is scaring me. Here are the balances I am working with:Capital One: 2525 - maxed out Amazon Store Card: 1350 - 450 open PayPal Credit: 7000 - maxed outPatelco Pure Card Balance Transfer Card: 5965 - maxed out I make around 1600 every two weeks, rent is 1189 a month 2300 split with partner, internet is 40 a month, water is usually around 38 a month, PGE is around 35 a month. And my minimum payments to my car loan is 274 for my student loans its 120. I know I have room to put more money towards my credit card bills but I honestly have a problem when it comes to spending and I need to get help with it. Im considering taking out a personal loan to pay off the card balances and just cut the cards up and have the card companies put a hold on them so I do not get tempted to use them anymore shouldve done that last year. My credit score is 634 according to Credit Karma, so I may have some what of a chance on getting a personal loan to pay this all of but then again, probably not. My biggest issue with my debt is the interest rates are astronomically high - PayPal is around 27, Amazon around 23, CO about 19. My Patelco Card is the lowest interest rate since its a balance transfer card at about 7. Any advice would be great honestly, because I am at a loss for what to do. I try to make a budget each month and stick to it but I honestly cannot help my spending, I have zero self control. TLDR; I want to take out a personal loan to pay off around 17k in CC debt because my idiot self keeps digging me further into the hole. My credit score is so so but Im at a loss for what I should do at this point. EDIT: I do drive for Lyft as a secondary income - it averages out to be around 600-900 extra month depending on how much a I workif its busy when I work.  <response>: You are a debt addict. Shred all your credit cards. Dont ever use credit cards again. Lock your debit card away. Only pay with cash. Going to more debt and consolidating your debts is the worse thing you can do. That you have a bunch of balances gives you an advantage that a single large loan does not have. Namely, when you pay of one balance, your minimum debt servicing payments go down. Use snowball. Make the minimum payments toward all debts. Pay all your disposable income toward your lowest balance. When that it is paid off, you will have more disposable income to pay off your next lowest debt. 