[XXXNoahXXX]

I am currently between my first and second year at law school. Currently, I have $11k on 6 CCs ranging from 6.99% to 13.99% interest (sick, I know). I've just been making the minimum payment and they are all just sitting there maxed out.

Now, next summer, I will be making 25k-35k (pretax) working at a law firm. My summer living expenses are somewhere around 5k, so I should have plenty to pay this off then. What I'd like to do, however, is pay them off now. If I do that, then I'll have 1-2k each semester extra, which I can use to begin paying this off or investing elsewhere.

What are my options here?

My credit is good, but I have no collateral, although I could probably get a relative to cosign once I got a firm offer. Thinking some sort of debt consolidation loan, or are those all quasi-scams?

What are my other options here?

My credit is really good considering, since I never miss a payment, is there any way given how crowded these cards are that a company would let me transfer all 11k over to one card with a lower rate?

Do I need to just keep paying the min until next summer when I can pay them off completely?


Any advice would be appreciated.