9

Credit cards are a scam.

If you've got credit card debt, you need to consolidate all your cards and loans into one low interest loan, top help you pay it off. This is where to start: You need to apply to BOTH of these programs, because you might only be accepted by one: Apply to this consolidation program and this consolidation program . Both are run by internet startups and NOT by big banks.POTENTIAL SAVINGS: $500 - $10,000 per year