<prompt> Human: Im 31 Hes 32Both work hes better with money management. We make 115k joint before bonus.We have about 16.5k in Credit card debt. 10k American Express blue 6k his personal credit card 500 in my personal credit About 12k in student loan debt forMe. And 2500 bill from college I need toPay. Mortgage is 1800k monthBills are 600.00month We use AmEx platinum for most purchases.I pay off the balance he covers the mortgage.Are there any general tips and one can help with?He is getting us a loan for 25k to pay off debt: credit cards mainlyWhat advise do you all have? We have a good rate but idkWhat it is...and the loan is with American Express. Please advise!  <response>: I am bit confused: didnt you get a loan because of some reason? I guess you want to replace your debt exposure with one that has a better rate. If thats the reason, then credit card debt has typically a terrible interest rate with your income, I wouldnt have accumulated that at all, but I dont know your history and reasons to do that.The loan you got is enough to replace all your debts, why shouldnt you do that, assuming the rate is better? Make sure you have an emergency fund but your credit cards will act as a temporary emergency fund if you know that you are saving enough every month to replenish it soon. 