<prompt> Human: 28 years old, 80k salary. 36k in credit card debt across 3 cards and 9k left on a boat loan. Credit score in the low 600s.Debt accrued steadily over 3 years of lowunpredictable income during an entrepreneurial phase, and then precipitously once diagnosed with cancer and faced with surgery and chemo bills.Im fresh out the other side with my health, a steady paycheck, and better health insurance. Wondering if its a good idea to consider a personal loan to deal with high interest CC debt 13.4, 14.4, and 15.5. SoFi is telling me I can get a 3-year, 30k loan at 10 interest.I like the sound of eliminating CC balances and starting on the road to repairing my credit score ASAP. Ive never missed a payment, its strictly the maxed-out utilization rate thats affecting my score. Would transferring my debt to a loan alleviate this? In other words how do loans play into the credit utilization rate?On the other hand, I also like being able to dump variable sums of cash onto the debt pile whenever Im able. A loan wouldnt allow me to do this.Basically Im wondering if personal loans should be considered as a legitimate alternative to simply chipping away at the debt every month. Yearly base expenses are 30k and discretionary spending is in check, so continued debt spiraling on top of a loan is not likely.About the boat, since Im sure youre wondering: had a decent salary out of college and wanted to do something funinteresting. Sailed and lived on it full-time for 4 years which was quite economical. Now Im back on land so selling it is a given. Already committed to dockage through Oct so putting it up for sale next spring and expecting to get 8-10k back after loan repayment.Many thanks for your advice!  <response>: Loans can have lump sum payments.10 PA is high for a loan, Id expect to get around 4-5 depending on status of course.My advice would be wrap all of your CC debt In as long and as low a loan you can find, a 5 year at 4, cut up your cards and work hard to keep making overpayments on your loan. It wont reduce your monthly bill but will decrease your term.Conversely, although I dont think youd have the score, try and get another credit card but 0 for balance transfer and move your balances to that be careful of the fee as could be counter intuitive and pay off as much as you can before the offer ends and then either move it again or refinance with a loan as option 1 