 Even Randy tips his cap to Heather. Stand Up to Cancer and Rally wants you to reduce your risk for cancer. Go to TakeAHealthyStand.org. Thanks for calling Consolidated Credit Counseling Services. Can I help you? I sure hope so. I'm in debt. Is it credit card bills? Yes. I have two credit cards that I'm making minimum payments on and another that I'm behind on. I owe about $5,000. What interest rate do you pay? Between 18% and 22%. At that rate, it'll take over 20 years to pay off.