I have a lot of credit card debt. We are now starting to pay them off, but the apr's are so high (29.99%) it's hard to even see it drop. I do not have a house to use as equity. Have never filed for bankruptcy or anything like that. We just have a very high debt to income ratio. Credit score is well below 700 as well. What is the best option to consolidate the cards to one lower apr? I cannot get new cards either, so that is out of the question.
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