<prompt> Human: So I was pretty dumb these last two years and racked up a bunch of credit card debt. Since then Ive taken all my cards out of my wallet and have not used them. Im just looking advice on the best pay to pay them off. CC 1 2000 15 apr CC 2 510 23 apr CC 3 3300 24 apr CC 4 3800 21 apr CC 5 610 24 aprAny help would be appreciated. Ive read some things about consolidating credit card debt and taking out a personal loan. Im not really sure, Im pretty awful with these things. My credit score is about 670  <response>: Being approved for a personal loan with a significantly lower interest rate than the credit cards is usually easier said than done. However, you have a decent credit score so its probably worth to try with some banks.The other way is to make minimum payments on all your cards except for the one with the highest interest rate CC 3 or 5. On this card you simply make the highest payment possible.Make sure that you have a minimum emergency fund while paying off debt or build one up. 1k should be sufficient. It might seem counterintuitive to save money on a savings account with less than 1 interest rate while you have debt with 20 interest rate, but this will avoid having to increase debt again when you need money fast. 