{ "media_type": "text", "post_content": "Is anyone else in credit card debt?", "post_id": "5d0b181a085c9a001bf1fe7d", "reply_count": 14, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

Is anyone else in credit card debt?

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File your expense reports, OP

likefunny

Watch some Dave Ramsay on YouTube and start to rethink how you spend money. I will never take a loan again in my life. (Just paid cash for my car and cash for my house).

likesmart

I have $25k student loans from undergrad and about $10k in cc debt currently. At least there’s an end in sight

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I took out a personal loan thru Sofi for over $16k of credit card debt in October. It helped tremendously. I'll be paid off in 3 months and my credit score is 800+. I had such anxiety but looking at the significantly lower interest rate and consolidation made it make sense. Previously, I was throwing large payments at the debt across cards and going nowhere. Then would end up living on credit since I used all my cash to pay the cards. Had to be disciplined to limit spending to debit only and be honest with what I needed to keep liquid. Good luck!

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A1- happy to explain more. Feel free to message me with your questions. My interest rate is 7% (I think). I didnt want to open another card. My other interest rates are north of 20%.

What are some strategies for paying off massive amount of credit card debt?

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As I mentioned above. Just be real with what you can afford to dump into payments. I got in trouble by putting too much in and not having enough cash to live so lived off credit and it spirals.

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