<prompt> Human: So over the past few years of unpaid internships and commission based pay I have racked up over 10k in credit card debt. I finally have a great job and a steady salary of 60k plus some incentives. I get alot of mail from different companies saying they can reduce my debt by 23, but I am not sure I trust these companies. Should I be? Are the legit? Or am I better off taking out a personal loan and just paying that off with a much lower interest rate. What is the best for my credit rating?  <response>: Earn more, spend less. Apply difference to CC debt.Look for promotional CC offers thatll allow you to transfer your CC debt at a 0 rate for 6-18 months or something like that, that way youre not paying stupid levels of interest. 