<prompt> Human: Im probably not the only one in this situation, but hopefully I can figure this situation out. Currently I am in grad school, and have this semester and one more left. I have roughly 2,600 in credit card debt spread across 2 cards from paying for expenses and other things for grad school. I know that the APR is really high on these 20 on one, 21 on the other, and Im looking to consolidate this debt into something that wont accrue so much interest. I have a good credit score which is 720. Is taking out a student loan the best option, or should I take out some kind of personal loan? Im not familiar with loans, so Im not sure what all options are out there. What interest rates should I expect to get?  <response>: Yes, get a graduate school loan to pay off your credit cards. 