<prompt> Human: I have it spread across 3 cards, heres the breakdown: 8k 23 APR - 10k Limit 10k 16 APR - 12k Limit 3k 13 APR - 10k LimitSome background: FICO Score 697 I do medical salesmarketing and make 110kyear. Im entering medical school this year and will be living 100 off student loans because I have no savings.I get offers from LendingClub and Prosper almost daily to consolidate. Should I submit a debt consolidation application through them? Im concerned my 0year income will not allow me to make the minimum payment even if I qualify. I guess I could UberLyft on weekends to come up with the extra dough? What other options are out there?Appreciate any advice. Thanks.  <response>: Advice: pay off cc debt before quitting job and going to Med school. Maybe try saving so you can go with lessno debt? 