<<If the pension loan payback is less than the minimums on all the CCs it is replacing, I would urge you to urge your parents to use the snowball method. >> I wouldn't ---for all the reasons already mentioned. A few days of enthusiasm for a new idea is easy enough. Years of disciplined spending control is not. So far, it's only the threat of expanding debt that apparently motivated these folks to begin control spending. The interst they have been spending on the credit cards may have been the most valuable spending they made --- beacause it effectively deterred them for yet more spending. Why mess with success? Seattle Pioneer
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