<prompt> Human: Ive gotten myself into significant credit card debt. I have 14 credit cards and the minimum payments are so high on some of them that I dont have any extra money to start doing the debt snowball. I was thinking of trying to transfer some balances to other cards so that I can maybe have less payments, but Im worried thats just going to raise the minimum payment and not make any difference. But I probably dont have any balance transfer offers on any of my cards anyway. Assistant: Bank Loan Officer here...if you own your home and have equity, I would try looking into a home equity loan to refinance your debt in to one monthly payment. Or, a personal loan is a possibility but the interest rate would be much higher. Either way, if you are able to make your minimum payments now, you can easily consolidate your debt and save possibly hundreds of dollars a month.This also depends on your debt to income ratio. Divide your gross annual income by the 35k and youll have a percentage. As long as youre not above 40-45 debt to income, most banks will be happy to loan you the money.Hope this helps!Human: Thanks for the info! No mortgage, I still rent. Im significantly overextended. Ive tried getting personal loans to consolidate, but once they see my debt to income ratio, theyre like nope. I wish there was a way for them to like understand that Im just consolidating the debt and not getting an additional 35k in debt.  <response>: Can you move in with your parents? 