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Try consumer credit counseling or another non-profit service. They'll get you on a plan that will get your debts and interest rates down. One monthly payment - watch out for charlatan copycats that are not truly non-profit.
They'll give you the tools you need to get out of debt for good and education to stay that way - I know a few people who have used this a suceeded.
Also, get new friends.... that one charging that much is doing you no favors.
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C H R I S
Retired Porn Veteran
    
BH4L
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