<prompt> Human: I was young, 19M with great credit and a really good paying job. Well I ran into issue where I overspent and didnt receive the raise with months of backpay I was promised. I ended up taking out a Pay Day loan with One Main Credit Union for 2,000 at 26 interest over 3 years I thought hey Ill work over time and pay it within a few a months. Well I got few spending tickets and total my car in a my fault accident and insurance went through the roof along with rent and bills, I caught up with bills and decided to enroll in a Audio engineering school, dumb decision, 9,000 at 12.99 interest over 5 years plus I had to buy my own recording equiment and computer for school, Bills started piling up and I decided to consolidate, with a 770 credit score I called one main, since I had good standing for making payments for well over a year, and asked if I consolidate about 10,000, they said: WE GOT GREAT NEWS! Youve been approved for 12,000 paid over 5 years. I said: great whats the interest rate She said Its 39.99 Me:That astronomically high no way am I taking that deal, she said well why dont you take the weekend to think about it. Personal I never want to have to use any sort of credit again but should young people do when everywhere is trying to take advantage of our ignorance and make us indebted to them for life?  <response>: They cant take advantage of you if you dont take their money. 