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  1. Hi guys, it's my first time using this forum and I wanted to ask about debt. I know that many people on this want to be debt free and some of you may have learned how to be frugal after getting yourself in a tight spot. I'm also of the latter, and I wanted to ask what you think about ... link removed...like the one I linked to, in order to pay off $10,000 of high interest credit card debt (16%). The APR's with a new loan would be less, and I would have a longer time to pay it off (2-3 Years) but I am definitely asking for guidance here. Any mathematicians here? lol, Thank you in advance!