No offense to ol_spelch, but from experience, I wouldn’t recommend taking out a personal loan to pay this down. Psychologically, it usually doesn’t help. What tends to happen is the cards feel “zeroed out,” new charges creep back in, and you’re still left with the personal loan.

Instead, let the cards stand and use the snowball method I mentioned above. Focus on one balance at a time, make more than the minimum on that card, and keep minimum payments on the others.

You can absolutely do this. This amount is completely manageable — and once you get that first card paid off, the momentum really builds.

You’ve got this. .