I have about $6,500 in credit card debt. what's best? personal loan credit counseling 0% interest Credit card?

I exclusive mark college as substantially as hit the great coloured time job. we hit flattering decent income as substantially as am perplexing to keep my bills low though we do hit lease utilities as substantially as the phone bill. we dont know if we should beam to the low seductiveness label or 0% seductiveness label for twelve months or intend the personal loan or call assign conversing or what to do. we wouldnt be means to hit really large payments presumably up to 200 the month. My label right right away has over 0 smallest payments. What should we do???? HELP!