<prompt> Human: Long story short, my boyfriend of a few years just recently revealed to me that his credit cards are almost maxed out. Theres about a 10000 balance over a few cards with interest rates around 20. He has no savings right now, but every paycheck is going towards paying them off. His parents arent able to help as theyre going through a tough financial situation too, and Ive already lent him all my emergency savings to lower the balanceinterest.Ive read up on the debt info on this subreddit and we tried to apply for a 0 APR balance transfer credit card, but he was denied. He also applied for a personal loan, hoping that the APR would be less, but its the same.Right now, he makes about 3000 a month, and half of that is going towards the debt, while half are going towards new expenses.Is there anything else he can do to minimize the interest he payspay off the debt quickly? I have good credit 800, and no balance on my cards, but also only 5000 in savings and a bunch of student loans. I was considering taking out a personal loan to help since he cant get one under his own credit, but like one of my friends pointed out, he doesnt have a good track record with financial responsibility, and I wouldnt be able to make the payments if I get stuck with it.  <response>: and I wouldnt be able to make the payments if I get stuck with it.This right here is the indication that you should NOT do this.Let him set up his own budget and cut his expenses to pay back for his mistakes. 