I have 15,000 in credit card debt and really need to do something to get out. Any suggestions?

I cannot refi my act since of a Prepayment penalty. we spoke to my internal slope about unclear to intend a personal loan though it module be during a 20% seductiveness rate during a 0 a month remuneration for a ensuant 5 years that is unequivocally as well tall to fit in my bill correct now. we am meditative about Credit Counseling though we know it all hull your credit so we was unclear to misinform though it looks similar to this competence be my usually option. Anyone ever been by a single of these programs? Was it helpful? Any deciding suggestions?

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