For an article about using personal debt consolidation loans to pay off credit cards, I want to interview personal finance experts who can discuss the benefits, limits and best uses of personal debt consolidation loans for paying off credit cards. I particularly want to focus on how personal loans turn revolving credit card debts into term loans with fixed monthly payments and definite time limits. I am a freelancer. The article will appear in the Discover Personal Loans Resources Center. Quotes will be fact-checked with interviewees before publication.