Another one of my bosses (H) --who's been away because he's in charge of a project to open a new company in another country-- came back this weekend and, said he wanted to talk to me ... He had spoken to my boss who gave me the loan (J) and, wants to give me a loan to cover the rest of my cc/extrafinancing debt (actually, they are very good friends and H lent J money to pay for his MBA, that's where J got the idea to lend me money)... his rate is higher than the other guy's (12%), but, still lower than the cc (28%) soooo...I'll move whatever is left over after that last payment I made! (have to look at the account, I don't want to leave $0.01 there!)...I think I'll take lower payments over the same period of time, though, just to make sure I can pay all my debts (or, leave smaller payments for the next 7 months, and go to larger ones once the phone bill is paid off!)..that would effectively rid me of all CC debt...of course, my level of debt would still be the same, but, at least my payments WOULD make a real difference!!-- I would be done with J's loan in a year and, with H's probably in about a year and a half or two years...also about the same time I'd be rid of the car payments!...It would be like getting a HUGE raise!...and THEN I could start seriously saving for a house! (my life savings right now total $700...no, I cannot touch it, they are with the company co-op and, the only way to have access to that would be to resign from the co-op and, to do that, I would have to repay my loan in full -- $2,900...It's a requisite at the coop to put some money into that account each month, and I don't regret it...some day, it'll come in very handy!)