<prompt> Human: Im 31 years old and, aside from my 401k, havent saved a single dollar because every month I pay close to 400 in interest across three credit cards. I also pay as much as I can on top of the interest and minimum payment, but the amount I owe about 20,000 just never really goes down. I started out with one credit card, but since then Ive done two balance transfers to try to lower the amount compounding interest, and thats how I ended up with three cards.Im so tired of waking up with paralyzing anxiety. Has anyone here consolidated their debt into one low-interest payment each month? I receive personal loan and debt-consolidation offers on a regular basis, but I dont know which among these offers are legittrustworthy and also scared of adding another creditor to my list. Any advice on debt consolidation would be very much appreciated! EDIT Reposting this up here in case anyone else cares to dissect my monthly expenses. Please though keep in mind that budgeting is only part of it. My interest rates are also a huge part.I make about 2,900mo after taxes. Here are my approximate monthly expenses:1,100 rent,200 utilities,120 bussubway,230 dog-walkerdog food,50 subscriptionsservices some for work,100 MasterCard interest,175 MasterCard min payment,230 AmEx interest,350 AmEx min payment,270 Chase monthly payment only two payments leftTotal expenses:2,825 while paying off Chase card,2,555 after Chase is paid off mid-FebThis leaves about 75mo for food a bit more come March and obviously it isnt enough, so I use a credit card for that and any other extraneous expenses, which is why my balances have stayed the same for so long.In case anyone wants to know, my credit score is 696. Good. Not terrible. I make 99 of my payments on time. Would I get a lower interest late on a personal loan lower than 24? And if so, can anyone recommend a bankservicecredit union?  <response>: I also pay as much as I can on top of the interest and minimum payment, but the amount I owe about 20,000 just never really goes down.That doesnt describe a credit problem, it describes a spending problem. 