If you've fallen into a hole of debt, it can feel impossible to dig your way out. But conquering $10,000 in credit card balances is possible with a solid payoff plan. Plus, there are ways to reduce your borrowing costs, including using a personal loan to pay off credit card debt or negotiating better terms with your creditors. If you're ready to get out of debt, here are six strategies for paying off your credit cards. 1. Crunch the numbers Before you can pay off $10,000 in credit card debt, it helps t ...