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I got a loan to pay off my credit cards, and it ended up saving me a ton on interest. I'm actually paying about $1,200 less each month now than I was before!

Thanks, all. My credit score is currently 714.

Here's a look at my current debt: Navy Federal Credit Card: I've got $7,200 on this one. The good news is I'm locked into a 6.24% rate for both purchases and balance transfers, and there's no fee for those transfers. My limit here is $25,000. Amex Platinum: This one has a balance of $17,500...