You should take a personal loan. All you can know about personal loan from this site. It gives some reliable, safe and highly useful links. It will help you a lot as it helped me.

Opt for a credit card debt consolidation: Credit card debt consolidation adds up all your unpaid balances and converts them into a single payment. This payment is far lesser than each of the individual payments.

When you finalize a plan with a debt consolidation company, the company repays your dues to your creditors. Then you make a single payment to the consolidation company every month. Your average new interest rate is much below the old interest rate.

All credit card debt consolidation loans include some type of credit card and debt counseling. You have to trim your lifestyle to eliminate unnecessary expenses. This will allow you to set your house in order. But this necessary, as the ultimate goal of debt consolidation is to help you out of debt, while keeping your home.

If you want to take a loan to pay off your credit card debts. Then there is a debt consolidation loan which is a type of unsecured personal loan. You can also get a secured debt consolidation loan if you want. With this loan you can get a low interest rate as this loans are given to consolidate debts.

The added advantage would be, it will also improve your credit score as subsequent payments are made to pay off the new loan.

Here is the source of a debt consolidation company named for your reference.

Not sure. Usually personal loans have really high interest rates and you have to factor in the charges. Maybe try a P2P lending site? Do a search on it.

most folks who borrow to pay off credit cards just go deeper in debt — yes they pay off the cards but than turn around and start using the cards again == just sat back and throw as much money at the cards as you can and quit using them!!!