few years ago I started a master program and received a student loan from my home country (not being US citizen I couldn't apply for a federal student loan)..then I had ~25-30k of family emergency expenses and ended up putting all the remaining tuition fees on my credit cards. i got a new job last year and now I have ~$800/month in cc payments + $900/three months for my other student loan, which will become $2,000/three months next year). I have ~35k in cc debt over 6 cards with interest between 13-15%, an income of ~85k/year and a FICO of 680. I'm thinking about starting a debt consolidation program since lots of times I get to the end of the month with almost nothing in my bank account. expenses wise I'm pretty low, I don't really buy stuff, rarely eat out, get my coffee at home etc etc...and yes, at some point I'd like to get a house...
I talked to Pacific Debt Relief and National Debt Relief and gave me similar payoff options. my goal is to get in this and pay it off asap (before the end of the contract). so, how much would this actually dip my credit score? and how long would it take to build it back up?