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Question of the day: I'd really like my CC debt to be at a lower interest rate. Given my situation, is there a reasonably good way?

This week? Probably not. In a couple/few months of paying down your debt, probably. Once you start paying down debt, your credit score will go up and will start to get better terms and rates offered to you. Unfortunately, that requires to suck it up for a bit and just start paying it down.

Not sure if it's been pointed out yet, but on the right side of the screen, under "Announcements" is a link called "CC Snowball Calculator". It's fairly good at helping you run various scenarios, including teaser rates and such. Basically, put in your balances, interest rates, and teaser rates (all of which you've already given above). Plug it in, select which order you'd like to pay it off, plug in the amount you can dedicate to debt payoff. You can plug in a few different values, and get a feel for how big the debt actually is. Right now, it probably seems "so big I don't even want to think about it."

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