Credit Cards

I'm seventy-one and over the years have accumulated $22,000. in credit card debt. With interest rates increasing this has become a real battle to pay down. My annual income is about the same amount. One way to pay it down would be a loan from a company that would go to Capital One and pay off part of it. I would pay that company at about six percent interest. Then paying that amount in just a few years.

I know my credit score would take a hit, but I'm not selling my house, and I just bought a car so I can probably get by with a low credit score for awhile. Anyone with ideas would be very welcomed, thanks!