<prompt> Human: My younger sibling has always been a terrible spender and has racked up quite a bit of debt. As the older sibling Im trying to help out in anyway I can and I hope the wonderful people of Reddit PF can help.The spending has curbed a bit but we can work on that later. There are 5 credit cards with some of them nearly maxed out. On top of that there is a student loan and a car payment to manage.CC1:- Total: 4700- Minimum Payment: 150- APR: 20- Payment per month: 150CC2:- Total: 9000- Min Payment: 188- APR: 25- Payment per month: 300-500 DependingCC3:- Total: 3500- Min Payment: 109- APR: 25- Payment per month: 133CC4:- Total: 6300- Min Payment: 165- APR: 20- Payment per month: 165CC5:- Total: 3000- Min Payment: 51- APR: 8.9- Payment per month: 133Student loan:- Payment per month: 163Car loan:- Payment per month: 465Total CC Debt: 26,500Total Expenses Per Month not including gas and food: 1600Total Income per month: 2000As you can can see there isnt much room to help put more towards any of the higher APR CCs. Im thinking that the next best thing is getting a personal loan to pay all of the CC debt off and then manage one overall loan for them.There were preapproved offers that came in the mail but Im very inexperienced and skeptical when it comes to the validity of such offers:1. Credit9 Loans originate from Americor Funding: 0 for 12 months then 12-25 thereafter no collateral no upfront fees2. Greenlink Financial:Flexible personal loan no collateral Rate 5.49 for Debt balance up to 250003. National Debt Relieft4. Signature OneIve also heard of Lending Club but Im not sure if they are legit.Is our best path forward for immediate help going to be a personal loan? If so, would one of the above help? Are there other lenders andor options that would be better?Any help is greatly appreciated!Edit: Im specifically looking for peoples personal experience andor knowledge of consolidation loanpersonal loan programs and whether one is better over the other.  <response>: If a second job isnt an option right now, just pay minimums until she can get a second job. 