<prompt> Human: I am currently trying to help my gf soon to be fiance get rid of her credit card debt she racked up purchasing house suppliesfurniturerent right after college. We are both employed and have stable income.To throw some numbers out. I make about 80kyr and she is at about 50kyr before rentbills. The total debt is probably around 15k across about 5 cards. They all have pretty high interest rates.She is currently struggling in paying them off with their interest rates as everything she pays is currently getting thrown back on.Would it be a good idea to just pay off the cards completely for her? I have more than enough saved to not be at financial risk from this, but I also want to help her accomplish paying them off herself rather than her just getting them taken away.We also have considered getting a personal loan from a bank or CU which would have a lower interest rate than her cards to help pay them off.Are there any other routes we could take and should consider? Which would be the best route to resolve this the quickest and most effectively?  <response>: Do you live together and split shared expenses 5050? Instead of giving SO money directly, you can split the bills proportional to your income. In your case it would be 6040. Doesnt sound like a lot, but it would give your SO a lot of extra income to tackle debt if its something theyre serious about. 