sofi.com doesn't have loan consolidation fees. I consolidated $40k worth of credit card debt into one loan at 8% interest and have been paying it down at like $1000 a month.

This method only makes sense if you also figure out how to control your credit card spending in the first place.

I opened two checking accounts and set up direct deposit split between them.

One checking account receives the exact amount of money I need for all of my monthly expenses (according to a budget), and the other checking account receives the extra money which I have allocated for "fun" spending.

The snowball method never worked for me.