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Have you tried a personal loan through a local bank? Or, BankBoston has one. Usually you can get about 11%. Also, do you have a car loan? If you are going to keep the car for a long time (like 5 years or more), consider paying off your car quickly. Only pay the min. on your credit cards, pay off your car and use the ENTIRE car payment after that to pay off your credit cards. Have you had a free financial analysis done? It can show you which cards to pay off first. PFS offers a free one. Let me know if you want more information.

IMHO - Erika

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