Hi, i would like to get a personal loan to clear off my credit card debts tho. i got four cards that i want to kill and focus on paying on one account. Do you guys/gals think it's a better solution than paying monthly to 4 different cards? Debt is huge for me and i admit that it was my own greed and ignorance that made me fall into this trap. Hope someone from here can give me good advise. would like to settle debts in 2-3 years. T_T i do hate my situation now...