Should I take out a personal loan for debt consolidation?

[tot3ntanZz]

I've accumulated some credit card debt in the past year because of my partner being unemployed for a while. We used them to buy things like groceries and other daily life expenses. He recently got a job so now we don't have to use credit cards, and I haven't used them since the beginning of this year. I want to know if it'd be a good idea for my situation to apply for a personal loan to consolidate the debt into one monthly payment. Here's some info:

My credit score: 715 (also have never missed a payment) Total cc debt: $8000 APR card 1: 24.5% APR card 2: 16.5% (currently 0% until August due to balance transfer) APR card 3: 27.1% Sum of what I'm currently paying toward all cc: $350 My monthly income (minus tax): $3000 Rent/bills: $2400 Estimated student loan payment when forbearance ends: $250 (not exactly sure yet bc I graduated during forbearance) Note: We use the remainder of my income + my partner's income for groceries, gas, etc.

I have heard that getting a personal loan through a local credit union is better, but l'm open to any suggestions. I checked through my local credit union and it said my estimated monthly payment would be $261 for 36 months (10.75% APR).

[FREEDDAWG]

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[Jonzabel]

Hello! I am deciding on financing for my new project. I am interested in companies that provide loans with favorable conditions. Who has had experience with such financial organizations? I am waiting for your advice and feedback.

[Ritirdau]

Greetings! Have you heard anything about Seed Capital? I advise you to pay attention to this company. When choosing a financial company for your project, it is useful to familiarize yourself with the reviews of experienced users. On the Seed Capital reviews website, you can find the opinions of customers who have already used the services of this company. Some reviews may emphasize advantages such as favorable loan terms and prompt service. However, as with any financial organization, it is also worth considering possible negative opinions. Some users may comment on hidden fees or difficulties in interacting with the company. I myself have not personally had experience with Seed Capital, but I recommend that you carefully study the reviews to form an informed opinion. When choosing a finance company, it is also important to do additional research, familiarize yourself with the loan terms and pay attention to all the details of the offer. Good luck with your financial project!

[Blair Dillon]

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