You need to get your budget in line and live WAY beneath your means before you play these interest rate games. If you are still racking up credit card debt, then no amount of consolidation will ever help you; you'll just get yourself into a worse situation. You need to stop using credit cards until your finances are in order.

Using the Avalanche method (highest interest rates first) or the Snowball method (lowest balances first), just pay off the debts over time. What is the interest rate on the Happy Money loan? 8.99% interest on a personal loan is far better than typical credit card rates, but if the Happy Money loan is cheaper than just use two loans and pay them off AGGRESIVELY.

Thanks for the response!! I've completely locked my credit cards and am not using them at all right now. Right now I'm mostly just getting reamed by interest and purchase interest charges 🥲

The Happy Money loan is at 5.99% and has a set payment plan of around $500/month, with the goal of being debt free in 2 years.

So what you think is I should keep the Happy Money loan, use the other loan for my other credit stuff, and abandon ship on the Accredited Debt Relief program?

In all likelihood, it's too late to get a loan from Best Egg or anyone else because you've stopped making debt payments and that will cause your score to drop like a rock. My best advice is to stop digging. Stop taking loans. Stop taking loans before you do a lot of research and understand the consequences. It's time to start climbing out of the hole you've dug. Either stick with ADR or start paying off the debt on your own.

This is good advice, thank you. I feel like I keep manufacturing my own issues, it's a really helpless feeling

I don't know what your income is, but $27k is not enough for me to start with debt relief services. Just some good ol' fashioned discipline will work. However, YOU can do the same legwork they would have done by calling the creditors yourself and attempting to negotiate a lower interest rate. Sometimes they will lower your rate for a time period so you can concentrate on loans that did not lower the rate.

Oh interesting! Because they're so risky, credit-score wise?

Because they charge a fee to negotiate the lower balances, so the money you save may or may not be worth it. Check this review:

https://www.forbes.com/advisor/debt-relief/accredited-debt-relief-review/

Thanks for the tip! I really appreciate you taking the time. I have a lot to think about.