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No. of Recommendations: 13
Congratulations on your accomplishments.

I do not want to be the bearer of bad tidings but don't think that BoA will reduce your interest rate for hitting 90% utilization. At 90% utilization (and $45k worth of debt), they know that you can't conveniently move it anywhere, and have no incentive to reduce their rates to keep your business. I think they would start entertaining the notion of a rate reduction somewhere in the 50%-ish vicinity.

Sidenote about WoW:

I played WoW for 2 years (subscription still active but haven't touched it in over a month) and I can confirm that while it is not greatly conducive to meeting my goals for social growth it cuts down entertainment expenditures greatly. When I had money previously I used to average one videogame a month. During my time on WoW I literally cut that down to two a year. Thats a net savings of $50 a month or so just on video games. Add in all the nights out with the buddies where I wasn't there to pay for $5 cokes (can't drink), daytrips I didn't take because I had a raid scheduled, and restaraunt runs out for pizza ($20) that I replaced with delivered curry ($8) so I could do an instance run, and WoW probably had a significant impact on my own debt payment timetable.

That being said: money is only money. I might have saved $1,000 on WoW, but my /played reads something like 20% of my waking hours for the time I was very involved in the game. Do I regret that? No, not terribly. It was quite fun while it lasted and it traded off mostly with television watching (gave it up totally) and other nonproductive uses of time. *Mostly* with nonproductive uses of time. Does it look excessive in hindsight? Yeah, quite a bit actually. And there's always that "What if" nagging at me -- "What if" I had spent some of that time studying, or bettering myself, or looking more seriously for a nice young lady, etc.

I eventually replaced WoW with starting a small business. Same demands on my time at tge beginning, but it pays me about $700 a month. Its almost as fun as grinding for gold and, unlike gold, the student loan companies will take it for loan payments. (Or they did while I was still in debt. Debt free 3 months and counting.)
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