Hey everyone, I'm currently sitting on about $18k in credit card debt spread across three different cards. The interest rates are killing me (all of them are over 24% APR) and I feel like I'm barely making a dent in the principal balance each month. I keep seeing ads for debt consolidation loans and companies promising to lower my payments, but it honestly feels a bit too good to be true. Has anyone actually used one of these services? Did it hurt your credit score long-term, or should I just try to stick to the snowball method? Really stressed out and could use some honest advice from people who have been through this.