18k CC card debt Consolidation Plan

I have 18k in credit card debt (Discover) at 21% APR. Current minimum is ~$700–756/mo (~$315 interest) which is really high and I'm barely moving the principal. I just wanted to see what the best advice would be in terms of taking out a personal loan vs Balance transfer card vs doing both. I haven't missed any CC payments and I'm really dedicated to paying everything off within 2-4 years. Also a little extra breathing room for my debt payments would be nice too but is not neccessary.

SoFi already pre-approved me for $9k at 8.6% for 2 years but I want to see if there were any other options.

Thank you in advance!

My numbers:

Salary is 79,000,but it might increase to 85,000 with new potential job offer.

•  Take-home: $3,400/month

•  FICO: 730 | Experian: 679 (high utilization)

•  Other monthly payments:

•  Existing private school SoFi loan: $600

•  Perkins school loan: $160

•  Rent (to mom): $500

•  Savings: $320(14k savings in total)

•  Groceries: $300

•  Other (fitness and dog fees): ~$300