My cousin has been racking up debts on her credit cards. I almost wanted to make her surrender them to me when I learned of it. I know how it feels to be paying off credit card debt - they sometimes feel like they are never going to end or you’d start to feel like you have a bad credit card. She’s thinking of getting a loan, hopefully one that charges lower interest. She needs to pay off her credit cards and to stop using them. She has been checking out different institutions that offers loans. Some even offer bad credit loans. It would a good idea for her (and me!) to read up on handling credit and finances. They are a good read even if you are ‘clean’, hehe!