Good luck with you on accomplishing your goal! I know for us when my wife and I first got married one of the best things we did was to get a balance transfer loan. We were able to get a loan with a 4% interest rate. That loan was big enough to cover all of our other bad debt. That way instead of multiple payments to places with over 20% interest, we were able to pay much less to only one place. In fact, the rate on the loan was so low that we were able to pay more than the minimum payment and it was still less than our previous payments. It was five year loan and we had it paid off in 3. It was a great feeling.

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