u/Brilliant_Repair_353

I currently have two credit cards that are maxed out. One card is $6,000 with an APR of 16.65% and a card with $4,000 with an APR of 24.49%. The total minimum payments are a little over $300 a month.

I've talked with Americor, but saw some things posts on reddit that make me weary of going that route.

I've briefly looked at other credit cards to consolidate, but I'm unsure I'll be able to get the money together for the balance transfer fees.

Lastly I'm looking at a personal loan through SOFI, which looks like I could do a couple of options. 2 to 5 year loan, APR ranging from 13.52% (2 year) to 21.47% (5 year), and a monthly minimum payment of anywhere from $458.64 (2 year) to $256.66 ( 5 year).

If anyone is willing to provide recommendations, past experiences or help me make a choice in any way, I'd be grateful. If you need more information to be able to help let me know.

I currently have two credit cards that are maxed out. One card is $6,000 with an APR of 16.65% and a card with $4,000 with an APR of 24.49%. The total minimum payments are a little over $300 a month.

I've talked with Americor, but saw some things posts on reddit that make me weary of going that route.

I've briefly looked at other credit cards to consolidate, but I'm unsure I'll be able to get the money together for the balance transfer fees.

Lastly I'm looking at a personal loan through SOFI, which looks like I could do a couple of options. 2 to 5 year loan, APR ranging from 13.52% (2 year) to 21.47% (5 year), and a monthly minimum payment of anywhere from $458.64 (2 year) to $256.66 ( 5 year).

If anyone is willing to provide recommendations, past experiences or help me make a choice in any way, I'd be grateful. If you need more information to be able to help let me know.