I have, unfortunately, racked up about $30,000 in credit card debt over the past few years. I am feeling so hopeless and defeated and need any and all the advice I can get. I have been making payments monthly and try to pay more than the minimum payment whenever possible. I currently have two cards that are almost maxed out; both with APRs of about 20% - so even when i do make payments higher than the minimum I feel like I'm barely even making a dent. I've stopped using the cards and have truly re-evaluated my spending and budgeting. I do not qualify to balance transfers and can not get approved by any credit cards to even consider that. I wanted to get some advice on personal loans and which ones people think are the best option. I am looking to pay off this debt as soon as possible and to have the least amount of interest accrue as possible, as well.
Please please please someone, anyone, tell me what I should do.
Submitted December 02, 2020 at 09:43PM by Jane-Celeste15 https://ift.tt/3my9LVa