<prompt> Human: THE STORYCredit card debt has a funny way of sneaking up on you, between using my cards to help people, charges going unnoticed, and in the case of paying it back vs the finance charges that hit one time too many, Im comfortably sitting on a reverse throne of 20k debt.THE QUESTIONIs taking a loan advised to pay off debt? My recent job has me working so much I cant thoroughly scrub through information looking this stuff up. I feel there is an air of bad stigma surrounding this because I may end up paying off a loan and, if undisciplined, paying off more credit card debt.THE EASYI figured, if I took a loan, I can just shut down my other cards from making transactions online and single it down to one credit card I can manage along side the loan for every day necessities, very few leisures.THE HARDReadjusting my spending habits around this idea. This is like walking on a lake of financial ice.Any help?THE EDITI will be able to give better specifics about my situation later, but until then, just point me in a general direction, or anything I can read up on.  <response>: Unless you change your spending habits first, you may end up with the loan plus new credit card debt. 