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3 major credit cards. Total debt approximately 17K. Had no income due to maternity for approximately 3 month, now working again with lower pay. Can’t afford to make more than the mininimum payment right now. Was thinking of a debt consolidation loan to get a fixed monthly payment for a fixed amount of time. Have not used cards in at least 6 months if not more. Considered debt relief, but I don’t have bad credit and I know this would hurt my credit.
Where can I get a debt consolidation loan and is it really the best way out?