<prompt> Human: We currently owe approximately 30,000 on 9 various credit cards. Outside of our mortgage, we have no other debts student loans, car payments, ect.... The combined minimum monthly payment is around 700. Five of the cards could be paid off and closed with 5,000.Our household take home income is around 5,700 a month. Mortgage, child care, and utilities cost us around 2,500 leaving us with just over 3,000 for day to day expenses and tackling our debt. In addition to our income we do have a 20,000 nest egg we can use to attack this debt.What would be our best plan of attack to reduce our credit debt to 0? Should we look getting lower interest cards with 0 transfer balances? A debt consolidation loan? Do we pay down the higher interest or largest debt first? Would we be better off cashing out our nest egg now and knocking our debt down to 15,000? Would we wise to get our debt moved to lower interest accounts and then use our savings to knock it down?Any advice would be much, much appreciated.  <response>: unbury.me is a great calculator for figuring out how your targetting your extra payments will speed up the time to pay off your cards.A visit to rfrugal for money savings tips, allowing you to put more towards the cards, is always worth wild.Depending on your relationship with your bank, your credit score, and your current interest rate you may be able to get a personal loan that will save you money.If you have some home equity, you can look into a HELOC to pay off someall of your credit card debt at lower rates.In any case, make sure you address whatever lead you to rack up 30k on your credit cards, otherwise youll never break the debt cycle.Id avoid using your nest egg unless you have extremely high rates on your debt and can not refinance the debt. 