Fiancé has $26k in CC debt, $4k in personal, and $5k in medical making $30k a year. What’s the best way to dig her out?

Fiancé has $26k in CC debt, $4k in personal, and $5k in medical making $30k a year. What’s the best way to dig her out? I have a friend that went the credit counseling route and has warned me against it saying I’m better off doing a personal loan. I’m fine co-signing on one with her, but I’m wondering if there are better options. Her score is high 600s. We are going to revamp her resume and try to get her a higher paying job, which is obviously the first step as ...

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