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Banks and other lending places will generoulsy loan you the amount to pay off all your debt, pending you sign with them for thier 6% at 5 years of whatever terms they give. Its good if you have plenty of credit card debt, which looks like you do, with rates that are high. It also a good idea to consolidate all your debt into one loan, you can probably use your Z as collataral. And seriously start making budgets and things of that sort before you plant yourself into another hole again.
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