What's the best way to get a debt consolidation loan for credit cards?

I’m working with National Debt Relief. Their fees are pretty steep, but for me, the peace of mind is worth it.
 
I'm no debt guru, but I swear by the avalanche method. I jumped on this in December, and honestly, it's been a game changer I've already got one card almost cleared. Here's the gist: you tackle the debt with the highest interest first, throwing any extra cash you can at it, while just making minimum payments on the rest. Whatever's left over after each paycheck goes straight to that high interest debt. Once that one's done, all the money you were chucking at it moves on to the next highest rate. It’s not the instant gratification you get with the snowball method, but trust me, it’s the financially smarter move in the long haul. I even bought a spreadsheet off Etsy (yeah, I know, super nerdy) where I plugged in all my debt and interest rates, and now it automatically tells me when I’ll be debt free. Every month, I just type in how much extra I’ve paid on that highest rate, and boom it updates my timeline. It’s kinda motivating, tbh.
 
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