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a little bit of background data:
-i have about 11k in CC debt at the moment (down about 7k from final 12 months) and have been very diligent about paying it down and never racking it again up.
-i work a second job that 80% goes in direction of additional bank card funds. i reeeeaally wanna give up this summer time to take pleasure in a break earlier than fall semester.
-i am in class and have possibly 15k in scholar loans. my employer reimburses me for as much as 10k a 12 months so long as my grades are good. 10k of my scholar loans are for mediocre grades, and i will be getting reimbursed for 5k.
-i plan to repay all my scholar loans earlier than i graduate after my bank cards are underneath management.
-i need to refinance my automotive (13% curiosity) this 12 months hopefully (totaled my automotive when my credit score was at its lowest sadly)
-i personal my house (2.75% curiosity) so i dont essentially neeeeeed excellent credit score for an additional 5-7 years most likely
with my upcoming reimbursement, would you repay bank cards or the coed mortgage? the 5k would repay all however 1 of my bank cards and a small $1700 mortgage i’ve at 0% curiosity, liberating up near $300/month in funds.
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