<prompt> Human: each of the CCs have varying interests rate of 15-25. the loan from what the offer said is about 5-20  <response>: The offer says the rates of their loans range from 5-20? That probably means 20. Nobody is going to loan you 40k unsecured at 5. Whatever the rate you get is, only transfer the debt that is more expensive higher rates. Whats your life going to be like after you move the debts off these cards onto a loan? You now have 2 to 4 credit cards each with a zero balance. If you havent fixed the underlying problem that allowed you to spend 40k on credit cards, youll end up with 80k in debt. 