<prompt> Human: I make about 5,800 monthly, 3,600 after taxes and benefit cuts. My billsliving costs are about 2,200 a month. My boyfriend will be moving in with me in March, which will cut that down to 1,200 a month. I also have a 0 intro APR credit card I got to buy furniture for my apartment which has about 4,000 of debt on it. However, my teeth are really starting to hurt me started to crowd once my wisdom teeth came in but never stopped :c and I really want to get Invisalign 5,000.My company has a credit union associated with it, which has 3 interest rate, which is really good according to my boss. I wanted to see if I could get a personal loan for Invisalign which has a pretty high average price. I dont know how to 1. Apply for a loan2. Finance a loan 3. If I can afford a loanI can definitely pay off that credit card, especially since my boyfriend is splitting it all with me in full when he moves in he is lucky to living with his parents currently and just save save save. However, I am lucky enough to be mostly debt free and I am terrified of falling into that hole just to get my teeth fixed. Im sorry if this is a stupid type of question. I dont have a strong guidance on these types of things and everything on Google about loans seems to be subjective. I dont feel comfortable talking about my finances or personal business with people IRL so I dont know where else to get a second opinion or advice on whether this is too extravagant for me to do.Edit: I have already had my four wisdom teeth removed last year, but they triggered a shifting in my teeth that keeps getting worse.  <response>: I think most people would advise you to save up the cash to pay for the braces, and avoid taking out a loan. The cost is not very large compared to your income, and it should not be very hard to save up that much money within a few months. 