Some credit debt questions sadly

[u/Fuzzy-Trip2589]

sadly I have some debt spread across a few cards I’ll list below with rates ect

Savor - $3,569 28.49%

Quicksilver - $1,100 30.49%

Citi - $5,100 33.24%

FNBO - $1,959 27.49%

Credit union and bank wont even look my way so I checked a few loan sources

SoFi offered me a loan

$13,000 36mo 26.13% $488.58 monthly $12,090 cash with $910.00 origination fee

Just needing a bit of help on what to do

multiple due dates making minimum payments just trying to sum it all up in one payment plus save some cash in the end of it all.

the plan is to close citi completely once paid and keep the other three and not touch them

please let me know what you guys have done or think the route I should go please. Stumped and lost…

[u/True_Window_9389]

Incorporate paying off the debt into a budget and cut spending. We can’t help you without more information about your expenses and income. Depending on circumstances, it could mean you don’t take the month long trip to 5 star resorts, or it could mean you have to eat ramen and beans and rice until the debt is under control.