I have about $4,000 worth of debt. Im 23 and i have been at my job only 4 months and make about 1,300 a month. I dont have bills right now though so i think its best to get rid of my unwanted debt while i can afford to. I would also like a $2,500 cosmetic surgery. I plan on financing it or obtaining a loan large enough to cover the fee and pay off my debt. Would it be worth it pay off a loan for 5yrs if u apply for a $6,000 loan? What kind of loan will decrease my interest rate as i pay my debt off? is there a type of financing that offers a lower rate w/ the promise that i willl apply the loan to my bed credit? What is the best procedure for someone in my position?
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