List all credit card balances, interest rates, minimum payments, and due dates
Check your credit score and debt-to-income ratio
Compare consolidation options
Use a balance transfer credit card with a low or 0% introductory APR
Apply for a personal loan with a lower fixed interest rate
Consider a home equity loan or line of credit if you own a home
Ask your credit card issuer about a hardship plan or lower APR
Contact a nonprofit credit counseling agency for a debt management plan
Choose the option with the lowest total cost and manageable monthly payment
Stop adding new charges to the cards you are consolidating
Make all payments on time
Set up automatic payments if possible
Pay more than the minimum whenever you can
Monitor your balances until the debt is fully paid off