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stafford is with us in charleston south carolina hi stafford how are you hey doing great dave i appreciate you taking my call sure how can we help um yeah so me and my fiance are getting married in july which were very excited about since thank you since i was a kid my parents followed your plan and passed all those values to me and so i appreciate that um because ive been debt-free since you know out of school and um been really just trying to stay on that one my life goals is to be consumer debt-free great um and so were getting married but shes got some credit card debt and some student loans and so its not a matter of if to pay off the credit cards and the student loans but how to go about doing it um and so weve got some cash saved up that we have to pay for the wedding um as well as we want to do some home renovations um but the question was is it worth trying to settle on some of this credit card debt by calling and and settle in directly with the credit cards uh shes not