'm a recent graduate, working full time (started in January). I have an average of 21.318% APR across 5 credit cards with a debt totaling $11,137, at $302 monthly min.
  • CC #1: $2493 at 13.4%, $62 monthly min
  • CC #2: $1289 at 17.4%, $26 monthly min
  • CC #3: $5183 at 27%, $169 monthly min
  • CC #4: $496 at 22.8%, $20 monthly min
  • CC #5: $1126 at 25.99%, $25 monthly min

A few days ago I went to Wells Fargo to apply for a Debt Consolidation Loan and their terms are $11,523 (think they see a higher amount I owe?) at 21.755% interest for 60 months. minimum of $320 per month.