If you cannot afford to make payments on each card individually, then it might be better for you to consolidate your credit card balances. After you consolidate your credit cards, try to make as large a payment as you can afford so that the debt decreases quickly. You will also need to compare the interest rate before and after the consolidation. Only consolidate if you can get a lower interest rate than what you are currently paying.
Even if the interest rate is lower after the debt consolidation, you will probably end up paying more interest in the long run, and it will take you longer to pay off the debt. That's because smaller monthly payments will be stretched over a longer period of time. A final caution: don't charge up unpaid balances on the credit cards again or you'll find yourself in financial difficulty by having to make both loan and credit card payments.
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