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It's not a bad idea, as long as you can stop using those cards once they're paid off. We tried this but kept using them, and ended up right back where we started.

I always feel like I need to give a little background on how I ended up here… being in this group is my backstory. We’re dealing with a few big credit card balances (ranging from $11k to $27k) and a loan from a 401K. After talking itt over, my partner took out a personal loan to basically...