Is it better to get a loan to pay off my credit card debts? Need help!?

ok, so I currently have 3 credit cards which are 1FBUSA (i owe $2500), Capitol One (owe about $960), and Best Buy HSBC (owe about $460). 1FBUSA is a pain in the a*ss making me pay a $75 minimum every month and then charging $50 in interest every month from that payment and an additional $9 every month for making my payment. I usually I pay around $85 to $95 instead of the minimum. Capitol One and Best Buy HSBC do not give me any hassles like 1FBUSA does. They just charge me an annual fee or 2 times a year of $30 to $40. Would it make sense to make a loan to pay it off or would I later be in the same problem with the loan when they start charging me? Currently I am a graphic design major graduating this upcoming June. I think about it and I would be in better position to pay off my loan but I would also have to pay off student loans that equal to $12,000. Or would it be easier to just pay off the credit card that really gives me hassles?

4 weeks ago - 1 answers