I have about $30,000.00 in credit card debt. I am not late on my payments and my credit score is not that bad, maybe around 700. I have had the same good job for 19 years and I have had medical expenses for my wife which I should nit have paid with credit cards, but what's doe is done and now I would like to get a loan and pay them off over 3 years. I have always paid my bills and I don't want to have debt forgiven, I would just like to put it all on one monthly payment.