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Money and Finances
Reply to "What to do with my tax return? Credit Card Debt or Emergency Savings"
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[quote=Anonymous]I agree to put most of it towards the cc debt. Some other thoughts. What is your income? If it's high enough you may qualify for a personal loan to pay off your cc debt. Are you a member of a credit union (if not- definitely join one!!)? My sister just consolidated 25,000 of cc debt at 8.5% interest at a credit union. The key I'm sure you know if to stop using the credit cards if you go this route. (but do not close the accounts- that will hurt your credit score) If the personal loan doesn't work, is the debt all on one card? Have you tried calling them and seeing if they'll lower your rate. You'd be surprised how often they will work with you if you show good faith.[/quote]
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