i totally agree with rx3 on this…
you may be able to obtain a 0% or low % balance transfer on a credit card to help paydown your debt but it won’t last for long. You could play the game and open a new card with a different company every time the promo is about to end and roll it over again until its paid off but if you go delinquent the promo rate will terminate in most cases, maybe reported to the credit bureaus and be back in the same high apr boat your currently in.
I’d take the easy way out and obtain a debt consolidation loan and pay it off once and for all. this would be a nice way to help budget things out as well since you’ll have a set amount to pay off every month.
take the 60 month plan and pay an extra $20-40 over your monthly payment. This will effectily cut down on the amount of interest that your paying on and more will be applied to principal every month. thus cutting down the actuall amount of payments needed to pay it off and saving your self some money in the long run…
The average loan is at 12% right now which work out to be $90 a month on $4000 for 5 years. if you paid $120 a month towards that it would be alittle over 3 years to pay it off.
Just something to think about…