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Credit cards

I did. I went to my local credit union and took out a personal loan. The intrest was lower so I saved there and paid more every month lowering my debt. The big thing is that you have to shred your credit cards bc if you don’t you’ll end up with a loan and credit cards. Shoot for shredding the cards until the loan is paid and then have one company send you a replacement. If you max it out again then you really need to work on your spending habbits.