Re: Refinance to consolidate debt?
I am usually not for refinancing. I believe one should switch to 0% but like the others have stated if you cut up the cards & change all habbits including helping your son out by not giving him money then I would refinance it sounds like it would be a good deal for you.
I am not saying dont help your son either I just mean dont give him money maybe help him in other ways if you can.
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