<prompt> Human: Hello, I have 5 CCs and Im about 7,000 in CC debt. I pay about 250 a month doing minimum payments. I barely made a difference due to high interest rates on a few of my CC. I would like to know if taking a personal loan with a fixed interest rate be better than paying it off how I am right now. Thank you I appreciate the advice  <response>: Ive gone that route before, it works. Another option is a balance transfer to a 0 interest card if you can pay it off in time before getting charged. 