<prompt> Human: I could really use some advice. I recently got married and my husband and I are each bringing about 20K of credit card debt to the table for a grand total of 40K in debts. I have Student Loans that will be paid off in 4 years, his have already been paid off. We have a plan to pay the credit card debt off, but its strewn across 6 credit cards. Were paying off the smallest cards first, but were paying so much in interest across all 6 of them. I was wondering if a bank loan to pay off all the credit card debt would be in our best interest?Jointly we make about 70K a year. Im building a business that has potential for growth but we arent there yet. We have a budget using YNAB and we have almost 1500 in emergency money. AdviceExperience with Credit Card Debt and Bank Loans would be GREATLY appreciated.  <response>: You probably wont get the loan you want anyway. Unsecured loans of 40k arent very common.You may be able to contact multiple banks and get many small unsecured personal loans that have lower interest rates.You should both really just focus on not being the kind of people that carry 20k each of CC debts. Paying off the CCs is probably going to be much less challenging than that. 