Many opportunities are probably already there for you to reduce interests that you pay on your debts. Particularly, high interests on your credit cards balance.
Do Some Changes Now
Nobody knows your situation better than yourself.
So use your low interest credit line, a personal loan, savings sleeping in a low interest account (even if institutions call them high interest savings accounts) or at a pinch another credit card with not so greedy interest rate. Do some little changes today!
So be smart and creative, it will immediately pay off for you!
Get Rid and Stay Out of Debt
However, theses interest cuts should only be viewed as a temporary and immediate measure. Nonetheless, a necessary measure because the ultimate goal is to get rid of your actual debts and avoid debt altogether afterwards.