u/anticlockclock

I have 3 large debts I am trying to payoff...

Car Payment Owing $8135 at 7.740% APR

Preferred Credit Loan of $3900 with No Interest if I Pay before January 2027

Time Investment Loan of $9790 with 11.99% interest that begins on 6/15/2026

I had a plan in place to tackle the preferred credit loan by making about a monthly payment of about $450. Im worried about the Time Investment Loan hitting me the hardest. Is there a way I can get this paid off and have a lower interest rate with consolidating? Using a HELOC? I tried calling a Debt Relief Program but it seemed too scammy with a interest rate of 23%

Any advice is appreciated!

My daughter replaces her chucks every couple years because they just get completely beat up. I never see any discounts online. $95 is wild for basic shoes. Is there any discount codes on the converse site or other resellers?