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I was going to post a thread entirely to serve myself but I figured maybe a catchall thread for everyone would be better. Essentially I am soliciting for advice on a financial issue before I go talk to people who just want my money. As some of you know I'm recently back in school. I had some savings but thanks to unexpected car repairs and the fact that I can only work part time, I've managed to accumulate some credit card debt that I don't expect to be able to pay off anytime soon. I've never been in this situation before and I want to do something about it becomes a big problem what with interest charges and such. My question is how do I handle this? Should I take out a loan through my financial institution (M&T) or someone else? What should I look for in a lender? Is there a better option? I honestly just don't know what my options are but I figure someone here probably does.