i would suggest seeing if you are eligible for a low interest rate personal loan, something around 2-4% so it will balance out with the benefit of keeping your savings intact. pay off your credit cards with the personal loans, and consolidate the payment with a significantly lower interest rate. alternatively, you may qualify for a credit card with an introductory 0% interest rate for 18 months (chase freedom if you don't already have one is an option, but there are many others) the introductory balance transfer fee is usually within the 2-4% parameter, so you'll have 18 months of no interest to pay off your debt. those are my best suggestions. the personal loan is more interest but it gives you much longer to pay off your debt with smaller payments. it just depends on how much flexibility you'd like.