<prompt> Human: Mom was running behind or some of her payments, so she decided to take out a lone. Shes not very good with finances in general and I doubt she read into the fine print of the loan. She took out 2,500 and is making bi-weekly payments. The catch is the bi-weekly payments are the APR, and it barely chips away at principal. Shes super strapped for cash and has a pretty bad credit score. I was wondering if there was any services I could find to help her get rid of the loan entirely or at least set up a plan to deal with it.As per request in the last post: State: PA Loan Term: 12 months APR: 417.5 From what I know the total repayment is 10228  <response>: She needs to find a way to get another loan with an APR that isnt FOUR fucking HUNDRED and SEVENTEEN point five percent interest rate. Thats 868 in interest PER MONTH. Use the new loan to pay this one off and then make reasonable payments on the new loan.I really, truly hope this is the kick in the ass she needs to learn a little about finances and loans. Because signing the contract for this loan is the same as signing a document stating Im an idiot with money. 