How to pay off credit cards enrolled in a debt management program?

I hit been in a debt government power with a internal assign conversing ingest for about 8 months. My relatives hit offering to co-sign a give so we can equilibrate soured a cards. The give with a slope is a turn seductiveness rate than a game as well as module equilibrate them soured faster with a turn remuneration some month. Should we equilibrate a game without retard or go by a assign conversing service? Which is improved for my assign score?