Personal loan to pay off credit cards?

Personal loan to pay off credit cards? I'm sorry. I just need help. I've gone through the wiki but I still don't know the best option. Please no shame; I know. I've fucked up. I owe $27,522.33 in credit cards. $15,052.40 on a Visa Platinum card, and a $12,469.93 on a GoRewards card. I can only afford the minimum payments, which is just under $300 for each card. It will take about 28 ...

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