My wife and I are about $50,000 in credit card debt, and I’m looking for some relief.
Right now, we’re able to pay the minimum on the monthly payments on all our debts, but it’s always close. We have almost zero wiggle room, and I’m really worried about Murphy’s Law kicking in and us having to buy an expensive new appliance or vehicle. Applying for a loan with a lower APR seems like a good move, but I’m an amateur at this.
We have taken complete personal responsibility for everything that led us to this point. We’ve taken many measures to reduce wasting money; we got rid of cable, we don’t eat out, we hardly ever go out at all, we’ve both got side hustles to bring in some extra cash, we’ve sold a lot of stuff on Craigslist, we’ve taken this summer off from vacationing, ect..
It’s helping but I feel like this could really catapult us forward. If we do this, we plan on sticking to our guns with our spending habits.
Anyway, I went to NerdWallet.com, stuck in my info, and, by far the best option was from a company called SoFi. We’d cut our monthly CC payments in half and the APR is better than all the debts we have already.
It sounded too good to be true, so I searched online and saw that they had some poor customer reviews.
Now, NerdWallet.com gave this company a very good review, and my credit score is about 740 the last time I had it checked.
I guess my concern is wondering if I can trust these poor customer reviews. I know most people don’t review a company when they get what they expect, but feel the need to voice their opinions when things go south.
Submitted April 03, 2019 at 06:23PM by krunchyfrogg https://ift.tt/2TW8yIp
