V
vsvp_08
Guest
Ok, so throughout the past year, I've been digging myself deeper and deeper in debt. Its gotten to the point where I'm about $5000 in debt. I don't really have anybody to borrow money from, and my job does pay anywhere near enough for me to be able to pay my concurrent bills and pay off debt. I've been considering taking out a loan in order to avoid having all these bills sent to collections, but my fiance is advising me against it simply because it can turn out to be more expensive to take out a loan than to just pay as much as I can little by little. But then my credit will go down the drain, so what do I do?