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

I have been in a debt government module with a internal credit conversing use for most 8 months. My relatives have substance to co-sign a loan so we crapper compensate off a cards. The loan with a bank is a turn seductiveness evaluate than a cards as substantially as module compensate them off faster with a turn remuneration any month. Should we compensate a cards without delay or go by a credit conversing service? Which is improved for my credit score?