 It's all your money. Substitute 35% interest with 7% interest, and that 7% interest up to $10,000 is tax deductible. If you're only paying the minimum every month on your credit card, you're going to pay for 10 years. So call American Financing, 888-900-1828, 888-900-1828, or visit AmericanFinancing.net. NMLS 182334, NMLSConsumerAccess.org.