<prompt> Human: Let me start out by saying, I have been lurking this sub for the better part of the year. And I have gotten some great insight. Just looking to make sure I am not thinking about my situation wrong.So, I am looking to manage our debt this morning. And strongly considering getting a personal loan to tackle the credit cards.I am married, and have a child due in about 6 weeks !!!I am currently the only income and will probably remain so for at least a few years.Credit cards are currently very close to being maxed out within 1000 each on 2 cards and very little in emergency savings 1000 which is also really bad, I know.So at the moment, I come within a few hundred dollars of breaking even in an ideal situation. But lately, I find myself using a credit card when checking account goes a bit low, so my balance hasnt gone down for a while now.I really would like to have some breathing room, and not another high interest rate credit card. We had already done one balance transfer that, had 0 interest for 17 months, but that period has now ended.I am confident that we have excess spending under control, but not confident that we will easily manage when there is a baby to buy diapers for and one of our cars breaks down.A detailed breakdown: Income: 60k about 3000mo after taxes and 401k contributions Mortgage: 81k remaining 650mo 3.125apr - 120k estimated value 2 cars, but we own them both. 220yr registration fee coming up in 2 months Credit card 1: 11000 270mo Credit card 2: 4000 110mo Wifes credit line: 2000 100mo fixed Utilitiesphoneinsurance: 800mo grocerieshouse suppliesmedicationsetc: 600mo other misc expenses: varies future expenses including babyhospital bills, and USCISlawyer fees, as my wife is Canadian and has to renew her green card this coming year 8 months from now. In addition, I have started to receive medical bills that were not fully covered by insurance related to my wifes pregnancy. Its pretty good insurance work paid HMO, but so far, 32 weeks in, have gotten about 600 in bills. I will be calling their billing dept to ask them for help. I have heard you can generally negotiate medical debt. And I know that there will be an even bigger bill once our baby is born.I do expect a good sized tax return 4000, will file as early as possible, That should cover the lawyer and filing fees next year, as well as hospital bills.Just playing with numbers on PNCs website I only went there because they are who I have a checking account with and one of the credit cards, they suggest I would have 8.5-9.5 apr on a 60-month 15k loan with payments around 310moThere is also a 20k loan with the same apr and term for 410moI feel like I would:Take 15000 loanPut 3000 aside as an emergency fundPay off her credit line 100 removed and one less bill to pay Pay off the 4000 card higher interest ratePut the rest on the 11k card leaving about 5000 left on itIf I take out a 20k loan, with the numbers above, I would roughly eliminate the debts and save about 60mo and have 3000 savings to boot.Does this seem reasonable? Is there elsewhere I should be looking for a loan? Is there another option besides remortgage - I dont want to do that I havent thought about? Does one of the loan scenarios I laid out sound better than the other?  <response>: On paper it makes sense, but just realized this.Once your credit cards are paid off, you will most likely go back to overspending and Max out your credit cards again.Now you will have your monthly credit card payments and your loan payment. 