<prompt> Human: Background:I got married in April, and we had a somewhat expensive wedding, thinking wed get at least most of what we spent back Big mistake. I owe approximately 23K in debt on 3 credit cards. I make slightly over 80K a year and my wife makes around 45K a year. We live in a house that we plan on buying in three years so we currently are renting it, and pay 1200 a month with half of it going towards its down payment. We also put 1200 away a month for the down payment of the house when we eventually plan on buying it. In addition to that, we pay for car insurance, student loans, electricity, gas, water, phone, 2 internet subscriptions Netflix and Google Play Music. Part of the card debt is attributed to my wife filing for a Green Card, so those fees are 4K of them. My student loans are now down to 7.7K and I expect to be done with them in 3-4 years.My questions are:1. Should I be getting a personal loan to pay off all of my credit card student loans?2. If I do so, would that affect my credit score severely?3. If I do get a personal loan, should I go with a company or a bank?CARD BALANCES Not sure of the APRs if theyre correct: CHASE Card 1 VISA: Balance: 12,10015,000 - 20.7437; APR CHASE Card 2 MasterCard: Balance: 9,30015,000 - 21.4937; APR DISCOVER Balance:1,83014,000 - 16.4937; APRMonthly expenses:1200 - Rent1200 - Saving for house buying285 - Car insurance200 - Student loans200 - TrainSubway tickets150 - Phone bill90 - Internet bill100 - Electricity50 - Water300 - Health insurance250 - 401K15 - Google Play Music12 - NetflixFood is our problem - we dont seem to have an exact budget on how much we spend grocery shopping dinners out which are 4-5 times a month maybe.EDIT: I should also note that I do have a 401K that I attribute to, I pay 300 per month for insurance, and I try to put some cash away in case I need it around 700-900 per month.Help!  <response>: You shouldnt be saving when you have such a large amount of debt. Use that money to pay off stuff that accrues interest then save. 