<prompt> Human: In the mean time I have a net interest rate of 5.67 and Im considering whether we should try to pay 100month, Interest is like 26.99 I believe. Due to the fact that I missed payments several times to try and obviously find a job and I really want to have credit cards, my parents warned me about using online mortgage lenders.  <response>: I am not following your post...your paying 27 interest, on 17k of debt, have missed payments, and its not clear if your currently employed?no one will approve you to buy a home in that situation...you should pay off the CC debt, then look to buy a home. It would appear you cannot afford what you have, taking on more would be unwise. 