Sorry, not quite sure where to post this but basically I am about 6,000 in credit card debt. My only other monthly expenses are my car insurance (car is finally paid off !!!) internet/cell/tv bill(combo).
Im moving out(or would like) next month. Currently at home (ugh) but need to get back out my own again.
I want to take out a loan and pay off my credit card debt which is on 3 different credit cards. Currently I try to switch the balances around to the lowest APR's when there are promotions.
Basically I wanna pay off the cards with the loan and then use the rest of the loan for a new apt.
My credit is excellent, im not sure if this helps or not but I have a score of 845.
Ive never taken out a personal loan before so i just wondered if anyone knew exactly how they worked and how much your monthly payments are when you take out a loan. I figure if im taking out 6 to pay off my debt i could add on another 2,000 for apt costs. (first, last, security).
It all seems overwhelming. I dont really know where to start. I see alot of things online for personal loans but I am wary on who to trust.
I might go to my bank tmorrow, ive been with them about 15 years.
Any info would be greatly appreciated.



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