I'm $26K in credit card debt

Looking for advice -
inb4 "you're a dumb faggot"

Card 1: $7900 (missed July, August Payments)
Card 2: $5300 (Current)
Card 3: $11250 (missed July, August Payments)
Card 4: $700 (current)
Card 5: $475 (current)

Options:
A: Get a personal loan, hopefully around 9%, 60mo term, and pay $570 or so a month to maintain my credit score

B: Don't pay, credit goes to shit, but in 7 years it'll disappear off my FICO and I'll have the $29000, right?

I'm 32. Never missed a payment until June. Currently employed full-time making $40K/yr before taxes.

What do>?

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Get other credit cards, transfer the balance. You should be getting a better rate than you would from a personal loan.

You're a dumb faggot

option a

This. Or get a side hustle to pay of the debt

That's what I was trying to do when I opened card 5, but they only gave me a $1000 limit at that time so I think I may have exhausted the credit card merry go round.
But thanks, could potentially try again.

You can also just file for BK.

live in your car or with parents and pay it off in 2 years you manchild

How the fuck do you even get that much in debt?

Bankruptcy over 26k. If you're gonna go that way rack it up and live a little... otherwise ramen for a year

Consolidate all debts into one card. Some placed offer zero interestfor a whike. Buy LINK