Some good news
My loan was approved at the bank. Yay! I asked for $10k, but only got $5900. That's alright though. I can still pay off everything except my car. This will save me oodles in interest. The rate is 6.35%, compared to the 18% and higher. It's on a 4 year loan, but I'll be able to pay it off in a little under 3. Sure, it's the hard way to do things, but this way I know I won't charge my cards back up. I'm canceling all but one CC which only has a $600 limit.
I won't save much money per month, but it will help me in the long run. ^_^
I won't save much money per month, but it will help me in the long run. ^_^