Level 2
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Debt management

I would suggest transfering your balances to a nother card with a promotional 0% apr. Usually you can find some that offer 12-18 months no interest that will help you lower the high balances down drastically. I had an Amex card, high balance, transferred to 0% for 15 months card, lowered it even lower, then the remaining balance tranferred to another 0% for 12 months and was able to clear it. I think the 3% fee was reasonable enough to tranfer for the promo apr. Also look at credit unions. My credit union offers 0% apr for 12 billing cycles, $0 cash advance and $0 balance transfer fee. Hope it helps and good luck.