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New loan or suffer with what i've got??

Hi i have a loan with 3yrs left at £340pm also £8k on amex and £2k on mastercard. at moment paying out approx £530 for loan and min payments on cards, Shall i get new loan £20k 10yrs paying about £250pm or stay as is but card balance creeping up due to using now and then petrol and things. with morgage and other pay outs total payout per month about £1300 monthly wage about £1500-£1600 so not left with much per month. HELP PLEASE!!
Thanks

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