When credit counseling and budgeting fail. There are a ton of non-profit counselors to work with you. If you feel the need to take a loan after all of the mess leading up to/including that, then the answer is whenever you fill out the paperwork. The rate changes at the first of the month ( I try to post it regularly) so if you think it's a good rate, go for it.
But please, use the EAP first, and other non-profit credit counselors. PLEASE!
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