<prompt> Human: Hi, I am 29M, with about a little over 10,000 of credit card debt at 17 interest. I am thinking about getting a personal loan to convert that card debt to a fixed payment debt so I can take care of it in the next few years. I dont want to do the pay more each month to pay it off, because it will take forever with this high of an Interest rate. I was wondering what are my options for this? any pitfall should worry about? any tips ? what are the best instruments? Thanks,.  <response>: biggest pitfalls regarding using bank loans to clear credit card debt is a lot of people rack up more debt on the now paid-off cards and are stuck in twice as much debt as before. 