<prompt> Human: Ive been struggling with paying off my credit card for the past year and a half now, which as of today is up to 3,100 with an APR of 22. Had the thought of taking out a personal loan from my bank for the exact amount with an APR of 9.99. Ultimately Im torn between continuing trying to pay off my credit card, or take a personal loan. Any advise would be greatly appreciated  <response>: You need a plan to pay off the 3100, and not add ANY more to the credit card.If you have that, and the discipline to pay off - taking the personal loan at 9.99 vs 22 on the card is a nobrainer.If you dont, youre just piling on the debt, and heading for a disaster at greater speed. 