<prompt> Human: We have a combined income of around 60k us dollars. We currently own the house we live in now but looking at the market recently we could sell it for 10-15k more than what we owe. We were hoping to use that money as a down payment on the next house that we buy but my fear is that we both have about 2000 in credit card debt she lost her job and its how we survived during that time which is hurting our credit now and so by the time we would be looking to buy, our credit would be too low to get any decent loan. Is getting a personal loan to pay off the credit card debt a could way to avoid dings on our credit as well as paying off our debt?We have about 18000 in car loans and 800 in student loan debt if that is pertinent information. Edit: The homes we are looking at are 230-280k  <response>: Youre looking at a new house and cant afford to pay off 2,000 in credit card debt? That answer is NO. 