When you are in debt, your first priority should be to get out as quickly as possible. This is especially true if your debt is high interest debt, like credit card debt. If you are deep in credit card debt it can be hard to get out because interest is accruing almost as fast as you make your payments. This is where a personal loan can come in handy. Personal loans have lower interest rates than credit cards, so they allow you to put more of your monthly payment toward paying off the principle instead of just the accrued interest….