<prompt> Human: Need some advice as to whether i should try taking out a personal loan to pay off credit card debt and promised help to a person.I have about 10k in cc debt with about 3k no interest until about november. other payments for 2 cars is about 680 a month with insurance and 300 a month for student loans. combined annual income is about 75000. We also promised to help a struggling family member with 5k by the end of october. We are able to pay minimum on everything while furnishing our new apt. Should i try to take out a personal loan to consolidate the higher interest CC into one payment and to cover the help for the family member? We have not used any of the credit cards for months.fico score according to discover is 653.Thanks for any advice  <response>: My vote would be to tell this family member you cant afford to help them out. Because you cant. 