I'm currently sitting on about $18k in credit card debt across 3 different cards. The interest rates are absolutely killing me (one of them is at 27% APR). I keep seeing ads for debt consolidation loans, but I'm honestly terrified of getting scammed or making my credit score even worse than it already is. Has anyone here actually used one of these loans to clear their cards? Did it actually save you money in the long run, or did you just end up back in debt? Any advice on which lenders are actually legit would be amazing.