Does this sound like a good idea?

[kyin01]

Long story short due to a recent accident I am about $3,500 in debt and I have spread those debt out onto 3 different credit cards.
1 I have maxed out out the other has like about $1,000 on it's balance.
I am paying very high interest rates on all 3 of them and this is even after I called them to ask for a lower interest rates.

However, I have an option to take out a student loan at 6% interest for $4,000.

Do you think it's a good idea so take that student loan and pay off my credit card debts so that way I will only be paying back a 6% interest loan instead of my credit card's high interest rates?
Or would there be a better solution?

My credit score right now is just below average since I am starting out and I am trying to avoid minimum balance on the credit cards but it has happened.

[Jeanie]

If you are unable to pay off the 3 credit cards quickly then yes, I would do the loan. After that I would never use the cards again unless it's an emergency.

Good Luck..
~Jeanie