I am going to only pay with they agree on and no more. I am truly an honest people but that is not the only debt I have. The others are not at a high interest rate so I can afford the monthly payments. When I borrowed the money my loan was for $6500 and I don’t really understand the terms. I was on a same as cash program for one year. I paid what I could for that year but once the back interest and the new interest hit the account it was like a wave. At the time I had someone advising me who I thought was smart with money. Now I know better. To tell you the true I am sure I have paid them about $3k in the past 3 years, but that don’t matter with 26% interest. I have learned my lesson.

I am going to settle with them.

What do I do with the rest? I heard use it as a buffer for my checking acct. Are there any other thoughts?