I have a lot of credit card debt that I would like to pay off. Can you help me to put together some type of plan that would efficiently allow me to pay this debt off?
I have a lot of credit card debt that I would like to pay off. Can you help me to put together some type of plan that would efficiently allow me to pay this debt off?
user
The first thing to consider is whether you want to pay the debt off quickly, or you’d rather pay more and pay it off gradually, at a lower interest rate. I could try to help you decide between these two options, if you want me to.
assistant
Can you maybe list off the benefits of both methods?
user
Sure.  Let’s go over each. If you do choose to pay it off quickly, you’ll lower the interest you’re paying overall, and also reduce the total amount you pay, which is very appealing.  On the other hand, it’ll involve a large up-front payment, which might not be an option if you’re already struggling to make ends meet.
assistant
Are there specific cards that I should pay off before others?
user