<prompt> Human: I blame myself completely for this but Im looking for advice. I needed to help my fmaily through some difficult times while my Dad was unemployed. I took on some credit card debt I know, I know and figured I could take care of it all. I realized the interest charges on the statement equaled half of what I was paying monthly. Eventually, it became a bit of a burden. Between two cards, I have around 9k in debt.My question, should I take a personal loan to pay them both off and close the cards? Or is there a better alternative? Thanks in advance for the serious answers. Tl;DR: 9k in credit card debt between two cards, should I take a personal loan out?  <response>: My question, should I take a personal loan to pay them both off and close the cards? Or is there a better alternative?You can not borrow your way out of debt. If you can lower your interest rate that would help you but interest is not your problem. Work out an iron clad budget, sell some stuff, pick up some extra work. Pay down the principal aggressively. This is the only reasonable way out. 