<prompt> Human: Hi there, Long time redditor, I am using a throwaway because of personal financial business. Could use a little advice here. I do visit this sub frequently, have read the sidebar and done quite a bit of research on my own. I am hoping to get some direct advice from some neutral parties that I can show my SO, because my advice has not been heeded.My 36F long time SO 34M 13 years together, own a house together has some credit card debt. Not a huge amount; 2k. This debt is spread over about 6 cards, for the past 5 years. From what I understand, the amounts due on the cards are pretty low, around a 200-500 each. He has NOT been sent to collections on any of them. The interest rates on all of them are quite high.He has been paying the minimum amounts on these cards for years, and that is not getting him anywhere. He is afraid to stop paying any of them, in order to pay off another. His credit score has actually been going up since he makes regular payments.We do have a detailed budget. We share mortgageshared expenses based on a sliding scale of percentage based on our take-home salary. Me 63 him 37. He is able to contribute on his end for the bills, but is unable to save ANY money whatsoever for emergencies, or our future. A recent emergency car repair on his end has made him realize how dire his situation is, with zero money saved for such incidents.Couple of important points:- I will not loan him any money to pay off his debts- he has not been sent to collections for any of these credit cards- he has nothing in savings. Negative in fact, due to the recent car breakdownI am hoping that someone here can give some advice on the situation and offer some direction. It needs to come from someone other than myself! Thanks in advance  <response>: Do a credit card searc find a card with either 12 or 18 months no interest and 0 on balance transfers transfer the balances of all the cards to the ne w card. And every month for the next 12 months throw 170 and he should be fine. I think citi currently has a promo going for no interest on one of their base cards. Also dont close the other cards leave them open for credit age but either cut them up, stick them in a bucket and freeze them something so he doesnt run them up again until he pays off the current debt. 