<prompt> Human: I received a letter in the mail today from a company called prosper saying I was pre approved for a personal loan. Ive been looking to get a loan to help consolidate some debt but when I got my offers from prosper Im hesitant to accept one, they want to give me the the amount I requested 10k to pay off a few credit cards I have but what scares me is the interest of the loan. They are offering me 10k for 36 months at 28.79 interest some of my credit cards have interest around this same number but I was wanting to know if this is a good idea? I really like the idea of having my cards paid in 3 years in the form of one payment. Update: thanks for all the advice I appreciate it just got to keep grinding to pay off these cards slowly but surely  <response>: Do not solve debt with more debt. 