<prompt> Human: I didnt see this specific topic in the sidebar areas, but if I missed it, please let me knowI currently have a credit card with my Credit Union with 10k 18. The Credit Union offered a personal loan at 10 for up to 36 months. Would it be beneficial to take the personal loan, pay off the credit card debt at once or a chunk at a time?, and then pay down the loan?I know the big question here is whether I will rack debt back up, and Ive been doing a lot of reading on finances and have improved my situation and habits over the past couple years. I feel like the 18 interest rate on my CC is a killer, and it seems like the reduced rate of a loan would make sense.Thoughts? Suggestions?  <response>: good idea. Get the loan and then immediately pay off the card, then keep paying the same amount as you did on the card or more to pay off the personal loan.But you are right that you also need to address why you got the debt in the first place. Start a budget and follow it to help you avoid getting into that situation again. 