Reply to "Eliminating Credit Card Debit - Take out personal loan with low interest rate"

It's always a good strategy to pay a bit more each month when you can. I would highly recommend checking your statements and see if your payment is more than what you're paying in interest each month. That's the problem I had - while my payments were more than the minimum, they weren't enough to actually cover the interest and make a dent in the principal amount I owed. Now if that's all you can afford, then do your best. 

Good luck!

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