Title. 32 years old, long story short I have accrued CC debt from a previous marriage and it’s mine to pay. Through some time I’ve gotten it from above 20k to about 15k at the moment but these payments are really holding me back. I usually pay more than the minimum but I’m paying around $600 a month on average on these damn cards. I have done some research and have narrowed it down to three ways to really tackle this and wanted some opinions/thoughts. I currently have a Credit score over 700 so it’s opened up some doors on refinancing for me.