We had $55,000. in credit card debt from helping our daughter in college. We went with a loan using our home that was paid off as collateral. This made it interest below 4% from 12+ . We are now down to $37,000. with no other CC debt so far. We also now have a good emergency fund in savings. The savings of over 8+ percent in interest covers a lot of the monthly payments on the loan. Just don't use the savings to buy more stuff. Allow yourself some money each month for fun so you. Good Luck
