Would a personal loan to pay credit card debt be better then a debt management program?

I hit about 25000 of debt though can ease compensate montlhy payments upon time as substantially as never longed for a payment…if we try to get a personal loan from converse lendingtree.com as against to a debt government module that looks improved to creditors?? My guide measure is around 650-670….I am starting to a credit conversing group to see what they think….they hit been HUD commissioned as substantially as non-profit. we ease hit a little resources holds as substantially as holds totaling 6000…I do get paid consistently as substantially as been perplexing a little internet surveys to hit a little tiny income upon a side to my job. What things should we demeanour for during a credit conversing agency? Such as if they hit been legit or not in my situation?