conversation: User (Supercat70): "Hey everyone, here is what I got going on right now. I have two credit cards that are open that have about $1,500 in total between the two that both have interest rates of about 12%. I then have two closed cards that are with a debt consolidation company at a interest rate of 7%, but I pay $250 a month and only $200 of that goes to the credit cards that combined between the two, amount to $7,000 total. I then have to pay my girlfriend monthly for a $3,000 “loan” which is on two separate cards, $2,000 of which has no interest until next year and the other $1,000 has a 15% interest rate. In total, I pay about $550 a month spread across these cards and that is barely paying over the minimum payments so I am barely see improvement due to the interest rates hitting it back and I have no extra funds because of other bills. \n\nMy main questions here is: I have been pre-approved for a $11,000 loan that has a huge interest rate of 32%, would it be worth it to use that now and consolidate all the payments into a $450 a month payment and not have to worry about all the separate payments, or am I better off doing what I’m doing now? \n\nThanks "
  Self: "32%???? Run away. Work hard on increasing your income, get a second job. Cut up all your cards"
  