Is PayOff debt consolidation worth doing?


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I have about $6000 in credit card debt that I dug myself into during my days in college. I'm trying to improve my credit score and I want to start a savings fund going after I pay off my credit cards and student loans. My student loans are $7000. I heard of PayOff but I'm not sure if it's worth doing or if I'll be able to afford it or if it will just make things worse. Any advice?

 
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