u/Emergency-Cobbler-40

Assisting a young man(28) for housing and job opportunities. Please share anything (plus if LGBTQ+ safe space)

26m Currently working(I don’t make a lot… avg: 2-300/weekly).
I have $22,500 in credit cards
(card 1: $17,500 and card 2: $5,000).

I’m wondering if I should get an *Upstart* personal loan to help pay these off(do not want to use anything as collateral[i.e my car]). The estimated apr is about 2-3% lower than my cc and would help immensely but I’m iffy about the offer(credit karma referenced) or if I should do it or think about bankruptcy . Please help