I will be working part time, so I will be able to cover the monthly fee.
Do you think that is a good idea?
What are the pros and cons of doing this?
Will it affect my credit score drastically?
Dear E.,Theres no reason to feel embarrassed when youre figuring out your finances.
But I understand your hesitance to talk to your mother about it.
But well get back to that.
A debt consolidation loan can relieve some of the pressure of organizing several billing statements each month.
Thats higher than most credit card interest rates.
I recommend a website called Undebt.it to figure this out.
you could track your debt-payoff plans over time and calculate different scenarios.
So youre far from alone in your battle to be well physically and financially.
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Have a tricky money question?
Write toDear Pennyand you might see your question answered in an upcoming column.
Balance Transfer = Credit Card Cheat Code
