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I have $28,000 in debt over two credit cards = $20,000 on one card, $8,000 on the other. I own a home, have $68,000 in student loans. I am current on everything and have very good credit (I’ve never been late on a payment on anything, my only ding is my debt to income ratio), but with mortgage and student loans, I am struggling and am only able to make minimum payments. I want get out of my credit card debt! I have only owned my home for a year and cant refinance, so that’s not an option.
My biggest concern is that I don’t want to ruin my credit. I have looked into debt consolidation programs, but they wanted me to not make payments on my cards. Are there any options to reduce credit debt without screwing my credit?