I understand your plan is to pay the minimums and take aim at the debts.That sounds good.What's the figure you paid in August toward all these loans?Is there any chance you can pay an extra $100 in September? (maybe be selling something for cash)The rates are fiercely high, so you need to be sure that you pay the bills on time. After 6 months, call again and ask for interest rate reduction.In my area, credit unions are easy to join (yes, used to have to be an employee or a member or something, but now it's just residency if any requirement). So, I think it would be good to find a CU with a branch near where you work or live and ask if you could become a member.YeilB
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