<prompt> Human: First let me say my wife and I have read this subreddit for a while and want to say thanks to those who contribute advice... It has helped!But this isnt a discussion about where to cut money stop buying this, start eating this, etc but help with actual debt.We lived off debt for a while, and we finally got ahead. We both have our degree and together we are making about 95k. After insurance, retirement contributions, etc we being about 5k a month. We arent struggling by any means anymore but now we are paying down debt.Our credit got hit with scores around 560-580 but we are ready to build back up! Our total debt is about:70k in credit card debt about 9 credit cards65k in student loans18k in car loans 2 carsMy question is if those companiessites like lending tree are scams or legit?Is there options to consolidate our debt credit cards to one monthly payment?We appreciate any insight. After billsrentexpenses we have about 1000 left over that is going towards our debt.  <response>: It is likely a better use of your time and money to aggressively pay off your debt in order of highest interest debt to lowest interest debt, than to seek out another loan that may or may not save you a little interest at the cost of up-front financing fees.I would recommend plugging in your debts into unbury.us to visualize the payoff order and length of time versus the money you put into your debt. 