<prompt> Human: after searching around and reading I applied for a pre-qualifying application through credit karma, will this effect my credit score at all? and I was approved for a 15,000 loan through Upstart for 60 months at 12.7 APR, paying 318 a month. I pay about 400 a month on my credit card and they both have about a 20 APR, and the interest that accumulated on the card seems to be about 120 from my purchases, so really I only pay about about 80 towards the principal.Any experience or feedback with this company? Is this the right move? Or should I just make sure payments on my current CC and chop away at it slowly. I just know finished nursing school this August and I make about 6,000 pre tax a month, and have about 14,000 in CC debt. Let me know what you would do in this situation.  <response>: Its a good move if you use it to pay less interest instead of just enabling yourself to spend more. Many people just end up abusing their credit cards again after consolidating.If you go this route Id see if you can qualify for a 0 balance transfer card though. 