I've managed to rack up about $15k in credit card debt across three different cards, and the interest rates are absolutely killing me (one is at 28% APR). I keep getting pre-approved offers in the mail for personal loans with lower rates to consolidate everything. It sounds great on paper, but I’m terrified of messing up my credit score or falling into a worse trap. Has anyone actually done this? Did it actually help you get debt-free, or did you just end up maxing out the cards again? Would love some real-world advice.