It's ironic, because if you have good credit, you don't even have to pay interest. MBNA is offering a 9-month, 0% interest cash advance. Andrew Tobias borrowed $98,000, and put it in some securities that return 2-3%. At the end of 9 months, he gives the money back, and made $3000 from the securities.
I did something similar about 6 months ago, where I borrowed $20,000 from MBNA. Had the money for nearly 5 months, and paid it back in full. Only charge to me was a one-time $40 transaction fee. MUCH cheaper than borrowing money at 8-10%.
I'd check some of those debt consolidators out, and see if they can help. Not sure if they charge or not, but by consolidating all of your expenses into a single low-interest loan, you'll save ALOT of money.
