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Given that you may need to solve both your short term issue related to and the offers on this page may do so, here are some ideas for longer term issues. Stay away from carrying a credit card balance. Between their late payment fees and outrageous interest rates, you can almost never get your head above water while carrying that kind of debt. Spend on essentials before you spend on 'goodies'. Once you know you have met your basic needs on a cash basis, you can then purchase the fun stuff so long as you don't go into debt. Part of your basic strategy needs to be regular payments into a long-term savings account. The two part plan of (a) disciplined spending and savings; and (b) lowered interest rates for current debt could result in your not being further burdened by loans.

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