Hi, I'm trying to help my fiance pay off her credit card debt. She has about $14,000 between 6 cards but her credit score is between a 615-620. Should we try for a consolidation loan or a balance transfer card since she has a low score? Also she has $17,000 in student loan debt between 2 loans. What I was trying to do was payoff the credit card debt first then the student loans. Any suggestions? I can't help her because my score is in the 400's because my ex ran up all my credit card debt and I'm trying to work on mine as well. It's been 5 years since I have used any credit and I heard that all of your negative items fall off after 7 years. Is this true or should I file bankruptcy and start over?