To pay off $10,000 in credit card debt, start by gathering details on each card. Calculate how much interest you’re paying monthly. Create a budget to see how much you can afford to pay off debt monthly. Consider decreasing spending or increasing income to free up extra cash. Prioritize which balance to pay off first with the debt snowball or debt avalanche method.

Using a personal loan to pay off credit card debt can simplify repayment and save on interest. You may qualify for a better interest rate with a personal loan, starting around 7-8%. Consolidate multiple credit card balances into one fixed monthly payment. Look out for fees that could increase borrowing costs, such as an origination fee.

Negotiate terms with your credit card issuer to lower interest rates, minimum payments, or fees. Consider working with a credit counselor to negotiate on your behalf. Create a debt management plan to negotiate better terms on your $10,000 credit card debt. This approach may come with setup or monthly fees.

Paying off $10,000 in credit card debt requires focus, discipline, and the right strategies. Follow a budget and consider consolidating with a personal loan. Once debt-free, redirect your money towards other goals like building an emergency fund or saving for retirement. Be mindful of credit card use to avoid falling back into debt.

Read more at Yahoo Finance: How to use a personal loan to pay off $10K in credit card debt