<prompt> Human: Right now i have credit cards one at two at 2 grand, one at 3 grand, one at 1 grand and one at 8 grand. I make my payments every month but my interest rates are 18-28 and for a few months i couldnt make my payments because i had lost my job. My credit score has gone down to a 520 so i cant get a lower interest card. I say i spend about 500 a month between food gas and everything, i am a server so I can make a couple grand a month but Im also a full time university student. I debated getting student loans and paying off the cards but Im worried i will just use them again. I came across this company Consolidated Credit... they are saying they will cancel my accounts and lower my interest rates and i will pay them monthly instead of all these payments throughout the month, and i know there is a fee i pay them for but thats okay because i need the help managing. I just am wondering if there is a better option out there, with the interest it says itll take me 20 years. Its starting to affect my school work because all i can do is think about this major amount of debt Im in. Has anyone used this company or another? Or have any better advice? Thanks!!  <response>: yeahh... reads like a scam.look up credit counseling in your area, choose the one thats a non-profit and has all the registrations and certifications of a fiduciary. 