Would a personal loan to pay credit card debt be better then a debt management program?

by Renegade98
Question by sporteguy03: Would a personal loan to pay credit card debt be better then a debt management program?
I have about 25000 of debt but can still pay montlhy payments on time and never missed a payment...if I try to get a personal loan from say lendingtree.com as opposed to a debt management program which looks better to creditors?? My beacon score is around 650-670....I am going to a credit counseling agency to see what they think....they are HUD approved and

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