and interest paid back over time to make sure you aren’t trading out for more debt.
With mine I was able to get a lower interest, it adds on more time but there are no penalties for paying it off early. I’m going to aggressive pay this off but if something came up one month I can still make the minimum payment.
Wife is looking at a few zero interest CC’s to consolidate.
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*