Personal Loans vs. Credit Cards

Personal loans are a much better idea than credit cards; however, they require more discipline.
You can still access your credit cards if you take a personal loan. Therefore, you may end up with twice the debt burden. It's best to consolidate credit cards once you have a firm handle on your spending. You can accomplish this by using a daily budget.
Eventually, once you are debt-free, you can use personal loans to save for your emergency fund (I'll explain inside).
With the right mindset, you can leverage multiple debt products while building long-term wealth. Good Luck!