Hi there all! New year, new member! I am writing for advice on how best to help my young adult son navigate his way out of $4,000 worth of credit card debt. If you have been , or know someone who has been in this situation, what strategy worked for you/them? What do you all feel about debt consolidation loans? We really need help directing him as the stress of this debt is causing him some major anxiety and panic attacks. Any suggestions/advice would be greatly appreciated!