<prompt> Human: Hello Personal Finance! So heres my situation. Im 24 years old and newly married. My wife and I combined income is about 3K with no OT Im a police officer so OT is given out pretty frequently. We pay 1150 in rent each month. I have a car that I pay 380 a month on and have 10.5K left on it. Now heres the problem. We can manage rent, the car, utilities, and other bills. Unfortunately we have a nice amount of credit card debt. Its just above 11K across 6 different cards. The highest apr we are paying is 21. That card has 1.2k on it. We are trying our best to make all the payments each month and on time and so far we have but barley. My credit score is 723 and I would love to keep it there. Im just looking on advice as to what to do with this. I was considering taking a personal loan of about 12K and paying it off over 36 months. It seems if I can get a decent interest rate I would probably be paying somewhere around 380 a month? Would this be the best option? Thank you so much!! TL;DR: 11K in Credit card debt across 6 cards. Considering taking a personal loan to consolidate all the debt. Is this the best move or should I do something else?  <response>: You cant afford that car. Sell it. 