<prompt> Human: Hello!So I currently owe 3,448.91 on a discover card that has a 3,000 credit limit and has a 19.74 annual APR on purchases.. Im working on my budgeting and self control, but theres just no way im going to get that below 3,000 within the next few months. Which really bothers me because the reason I got such a high credit limit in the first place is because my uncle co-signed for me.I was wondering if I could split this debt up into new cards which I tried, but my credit score was too low to do, or if I would be better off taking a loan to get me at least below the credit limit.  <response>: If youre struggling to make payments on a 3500 debt I dont think you should try and get more cards or more loans; it is unlikely that any other bank will give you another card or a loan, and even applying for one will hurt your credit score unnecessarily. I think your best bet honestly is to just buckle down and focus on paying down that debt without opening new accounts or taking out more debt; yeah, it might take more than a few months but ultimately its just going to take time. 