<prompt> Human: Ill try to keep this short and sweet, just not sure what I should do. I have amassed some credit card debt around 4500 dollars its not much but its enough to kick my ass. Its spread out over 5 different cards and the good news is 3 of the cards have 0 interest until august of this year for one, and January of 2018 for the other two. Im trying to get them paid down before those dates but 500 a month is really taking a toll on me. Enough to where I had to get a second job. My question is should I go through my credit union and get a personal loan to wipe all this out? My payments will be a fraction of what Im paying now but itll take a lot longer to pay off and there will be interest. Or do I just keep doing what Im doing and not have any money leftover after payday.. Thanks!  <response>: Keep slogging.9 months and youre done.Then take a two month break, spend 1000 on something fun.Then go back to saving 500 month. 