$92k on 17 cards? I can’t even imagine what the yearly interest payments were. Glad to hear they are zeroed-out now. Keep 1 or 2; cancel the rest and destroy them. Pay cash if you can.
I use cards on purpose to drive up my credit score. Of course they are set to pay in full every month. I purchased a new car this month and that score gave me 0.9 at the Honda dealership. Total cost of interest is less than 500 after 5 years. I’ll take it.
I believe this couple learned quite a few lessons along the way of eliminating debt. Discipline is a powerful vice.