I have: fair credit ( reported between 650 - 720 ). a student loan and an auto finance loan of no more than $30,000 in combination. ~$9000 in credit card debt spread between 2 cards. What is a good way to pay off my high interest credit cards? I am looking at options like small loans, debt consolidation, possibly even balance transfer to a new card (although I hear that hurts your credit score?). Any good sites that can help me budget or somehow help me get out of paying like $150+ in finance charges every month?

A man has debt, he comes into a little bit of money... how best should he spend it? A man has debt. 6k in student loans (5%) 19750k in credit card debt (ranging from 8-10 % interest) 15500k car loan (car is worth 12k) Man gets 25k at 2% interest. Man thinks he could get away with no car for 6 months, saving him 600 a month. Should man pay off credit cards & student loans and continue to drive his car or Should man pay some student loans, sell car (take the lose) and pay off credit cards? What makes the most financial sense. Ultimately regained financial freedom and the ability to go back to school is the goal. Though eventually another car will be needed.

A man has debt, he comes into a little bit of money... how best should he spend it? A man has debt. 6k in student loans (5%) 19750k in credit card debt (ranging from 8-10 % interest) 15500k car loan (car is worth 12k) Man gets 25k at 2% interest. Man thinks he could get away with no car for 6 months, saving him 600 a month. Should man pay off credit cards & student loans and continue to drive his car or Should man pay some student loans, sell car (take the lose) and pay off credit cards? What makes the most financial sense. Ultimately regained financial freedom and the ability to go back to school is the goal. Though eventually another car will be needed.

Should I sign up for a credit card right now? If so, from where? I'm an unemployed college student. I'm due to graduate in May, and currently have no job since I'm a full-time student. (I'm looking for "real" jobs for when I graduate.) I'll delve into (much) more detail in a minute, but the basic gist is that people keep telling me I need to get a "real" credit card to build history, but I think now may be a bad time. I should also disclaim that I'm extremely contemptuous and distrusting of the credit industry. I believe that they, as an industry, have gone out of their way to exploit people with financial problems; I find it repulsive that they're exempt from usury laws; I'm yet to find a credit card company that doesn't engage in one sleazy practice or another. More than anything, though, I have major issues with credit reporting: I never asked to be put in a database with some random third-party group, and I think my financial data is the last thing in the world they have a right to know anything about. I realize that it's very helpful to banks, but that doesn't appease me. Not only is it a (creepy) invasion of my privacy, but I have major issues with them being the definitive word on whether I'm creditworthy or not. (It'd be like if I spontaneously declared that I was the "Job Rating Bureau" and kept files on every person in America, every time they've been disciplined at work, every place they ever worked, for how long, and also reported when people applied for jobs. And then, when someone went to apply for a job, the company would contact me to ask what I thought of them. Oh, and employees could only see my ranking of them once a year. And that's only because Congress forced my hand.)</rant>

My wife and I are about to go through invitro fertilization and we think we'll need about $20,000. We have maybe half of that now and would like to get a credit card to pay the difference. We're looking for a card that has 0% for a year, preferably some rewards back (miles, cash, whatever), and obviously a somewhat high limit. Our credit is very good so we should qualify for the good deals and rates. Any recommendations for good credit cards that would fit our needs?