No. of Recommendations: 2
After reading the other thread from the OP and considering the new info:

Roll it over.

Half of the CC debt ($6500) is at a 0% intro rate after a balance transfer. I'm assuming the rest is at 18% or less... Making the average interest rate 9% or less.

He's taken responsiblity for being in debt and is willing to make some sacrifices to pay it off.

At this point, there's almost no way to recover from the loss of capital he'd suffer from cashing out.

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