<prompt> Human: So heres the situation:My fiance imformed me this weekend that she has about 15k in credit card debt. I currently have about 3.5k. Between the two of us we make about 80k a year and both have credit scores between 710 and 730. I was wondering what the best course of action for us to get this under control would be.Should we sign up for a loan together? Should we sign up for just a loan for hers to get those interest rates under control?The wedding is on July 16 and I was hoping we would be able to shop for a house by the end of the year.So any advice would be greatly appreciated!  <response>: Well theoretically you can pay off the debt in cash without taking out a loan, but you didnt specify your expenses.Id suggest to sit down and go over your monthly spending this is a good idea anyway since you are about to be married - youll figure out if the debt wedding expenses are affordable after doing so.Regarding house purchase, dont take out loans for visa or wedding just because it might lower your credit score, and youll want them both to be 700. Borrow money from relatives if you need to. 