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Credit cards

I enrolled on a debt counceling program (In Charge) I didn’t want to consolidate with a personal loan because I can’t control myself from using my credit cards so this program lowers the interest on your credit cards (sometimes to 0%) and also close your credit cards so I’m not able to use them anymore, they just charge a small monthly fee which is a lot better than paying all that interest every month, it didn’t affect my credit score so that was a good thing for me