CK is what I used to apply for a personal loan. I don’t think they had that option available.

my personal loan’s apr was lower than my car loan because my credit was trash when I got my car.

so paying down credit cards and having more flexibility was a plus. I paid less over the life of the loan but I def needed that stress removed.

You just reminded me I need to get more aggressive repaying this loan.

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TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*