debt consolidation loan options?
i have around $9k in credit card debt across two cards and i’m looking to consolidate them. i don’t know what i’m looking for because i’ve never been this deep in debt before and i’m scared. i’ve always payed the minimum but with interest it has barely made a dent over the last few years, and for reasons still unknown to me my credit score took a pretty substantial hit recently (not fraud, i checked). i just want to be done with all of this as soon as possible so i can start rebuilding my finances. my regular bank is sofi but they won’t offer me a personal loan right now. i feel like i’m in way over my head. don’t want to go into detail as to why i got in this deep and i’m not here for judgement either. i’m trying to make things right for myself.