<prompt> Human: Im about 63k in credit card debt across 8 cards and Im barely able to pay minimums and living expenses. Im fed up. I know I need to take various steps if I want to improve my situation like 1 create a realistic pay down plan and 2 reviewchange my monthly budget. What am I missing or is there a better way to approach this? I know Im to blame for making poor spending choices and now Im sick of it and completely disappointed in myself. I have some questions. Should I work with a credit counseling service? If so, which? Should I take a max, 50k loan at 6 for 52 months, from my 401k, to eliminate some of those cards? Any other approach?If anyone would like to offer up some advice. I would be grateful and pay it forward pun intended. Thank you, people.  <response>: Credit score?Amount on each debt - not just ccInterest rate on each debt?Income?Necessities spending? Break out thoseRelatively normal luxury spending?Break those outExcess spending?Break those out We can help if we can get to that level of detail. 