Personal loan consolidation right for me to pay off CC debt?

To skip the long story, I was an idiot in college and fell victim to those 0% APR promotions and now I’m eating the consequences. I racked up ≈ 18k in CC debt and am figuring out how I should navigate paying it off.

Hi. I'm not really clear on your question. Obviously, if you have a need to take out a loan, you should take out a loan. But before you do that, you need to decide on a reputable loan company, which isn't easy, but I think I can help you. In my opinion, you should look at americor credit card. These guys are the leaders in the loan industry and it will be helpful for you to know if they are reliable.