No. of Recommendations: 0
In college, I managed to get myself into credit card debt mostly because I did not know how to manage money. I crawled my way out of it only to find myself back in debt several years later. I crawled out of that as well. Had an emergency fund, investments, until I decided to start my own business in the middle of a recession. Thankfully I kept my well paying day job but owe about a third of what I take home. It's awful.

It's been this way for three years. But after many missteps, I'm determined to make this debt paydown happen. Am also trying to come to grips with how I get here in the first place.

In any case,

I owe 23500 at 15.24 to Amex.
4000 to chase at 15.24.
12000 at 14.24 to chase
6000 Bank of America 11.24
4000 Bank of America 9.9
3500 Capone at 9.9
15200 Lending club at 10.99
2500 citi at 0% until march 2015.

Min payments are 2% of balance except lend club which is $523/month. I have 33 months left on a 36 month loan.
The citi card is also new. Disappointed I didn't get a higher credit line to transfer more but my cc utilization is high. I believe it is 60%.

Chase offered me the slate card for 0% interest for 15 months with a limit of 3k. Can also get a prosper loan for 10k at 10.99%.
Plan to go w slate, not sure if prosper will give much of a bang for my buck given how similar the interest rates are.

Thoughts? Advice? Suggestions?
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