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And, yes not paying them back has a negative impact on your credit! TallGirl, if you have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school.
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Naughty wives in Goodell Iowa was able to climb out of a massive debt when I was advised to file bankruptcy; I owe most of my thanks to Mr. Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice. So, if that be the Nude lady Ocoee with you, I would say the most common misnomer about personal finances is the debt snowball approach.
DO NOT pay more than the minimum unless it is the minimum debt. Do not focus on interest rates!
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wves BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts.
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