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Opportunity Idea:  A financial product that would help those crippled by credit card debt

People that owe a lot of money on credit card balances would just love to have a lower-interest loan that would help them get that monkey off their backs.  WIth some people getting hit by interest rates as high as 30% or more, surely there is a profitable space for conventional financial institutions to help them.  Now, of course, some people are just addicted to credit.  But there are a lot who just had a negative event, or who were stupid at some point, who could use a fresh start. 

There must be some way of addressing this growing problem. 

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