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

I have been in a debt government power with a internal assign conversing use for most 8 months. My relatives have offering to co-sign a loan so we can equilibrate soured a cards. The loan with a bank is a reduce seductiveness rate than a cards as substantially as will equilibrate them soured faster with a reduce remuneration any month. Should we equilibrate a cards without delay or go by a assign conversing service? Which is improved for my assign score?

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