I've accumulated about $22,000 in credit card debt across three different cards over the last two years (mostly from some unexpected medical bills and just bad budgeting). The interest rates are killing me—one of them is at 28%. I keep seeing ads for debt consolidation loans, but I'm terrified of ruining my credit score even more or getting scammed. Has anyone actually used one of these services or gotten a personal loan to pay off cards? Did it actually help, or did you end up in a worse spot? Any advice on how to choose a legit company would be amazing.