<prompt> Human: Id like to pose a question:My situation is probably not as unique as I sometimes think it is:Substantial unsecured debt load, with flawless payment history. The only things lowering my credit score are utilization some cards at 90, some at 0 and credit age I think the average age of accounts is about 6 yearsI currently have 3 personal loan accounts all used to consolidate credit card debt. One of them was used to help my wife get her business going. One will be paid off in 12 months, another in 17.I keep getting more and more offers for personal loans to consolidate credit debt with higher and higher potential loan amounts. We also started a debt snowball spreadsheet to pay off all unsecured debt in under 2 years. Would it be smart or not smart to try and get one more loan for 2-3 year term, as long as the apr is lower than most of the credit card rates?Also, we are going to be shopping for auto financing in about 4-5 months. Does this change the advice?Thanks.  <response>: One thought would be to spend less. You have cards at 90 utilization, plus three personal loans to consolidate previous credit card debt, and now you are shopping for auto financing.Banks are making all kinds of money from you; thats why you are getting these offers. This one transaction might be tactically beneficial, but you need to understand why you are always borrowing money. 