I'm sorry to hear you incurred so much credit card debt. As far as whether or not you're better off taking out a loan, it'll depend on several different factors. You should ask yourself the following questions:
-When does your 0% APR end?
-Then what interest rate(s) will you be looking at?
-How much are you able to pay each month toward your debt?
-Thus, how long after the 0% APR ends do you expect to have to keep paying before you're paid off?
-What interest rate do you think you could get with a loan?
-Would your loan have other fees like an origination fee? Or a pre-payment fee if you can wrap things up quickly?
-Why are you in debt? Is there a risk you'll just wind up running up the cards again?
You can run these numbers to see which option saves you the most money.
Of course there may be other options that you should run the numbers for, like a balance transfer card or a personal loan from a friend or family member. You may also be able to find other ways of increasing your income/assets like taking on a second job, freelancing, selling something, or simply liquidating a savings account or something. All these options come with 'opportunity costs' but they're certainly worth considering before you make your final decision.
Anyway, best of luck :-)
