Credit Card Debt reduction options

[Karenga Smith]

Hello, thank you for some sound advise. I'm recently divorced and trying to rebuild my personal and financial life. I need to payoff my credit card debt as it holds the key for me to be able to invest in RE. I'm financially stable with a Job and 700+ credit score but I've got too much cc debt. I've considered borrowing from my 401k (IRA) or looking into a personal loan. However I've read and heard the arguments against such. With the snowball approach to paying off debt in my case the difference between the minimum payments and what I was actually paying isn't much @ $200.00. at the end of my current rental lease I plan on moving into a cheaper place so that will help as well. What other options are out there for restructuring CC debt?