What is the best way to lower my debt?

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I have a consolidated student loan that's about 12,600 dollars. I also have credit card debts totalling around 9500. I have considered getting a loan from Primerica in December (that's when they will have a loan for people like me that don't own a home). I have also considered opening another credit account and moving all debts from other credit cards to it. My third option is getting a loan from a bank. I'm not sure what to do, since my friends don't seem to like Primerica all that much and I don't know much about bank loans or balance transfer on credit cards. My debt is not really that high, just over 21,000 total. However, I am having trouble paying bills, credit card minimums and part of my student loan minumum payment each month (I never have enough to pay the minimum all at once, so I'm behind). What is the best way for me to lower my debt without being severely poor each month?

What is the best way to lower my debt?

The risk with taking on new loans is that often, they end up costing you MORE than the loans they replace because of the term of the loan. (The other risk is that if you pay off a credit card, you're at risk for running it back up again and being worse off than you are now.)

You should only consider taking on a consolidation loan if both of the following conditions apply;

1 - The interest and the monthly payment on the new loan are both significantly lower than the interest and total payments on the loans/debts it replaces; AND

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What is the best way to lower my debt?

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