<prompt> Human: My friend went and got invasilign done for her teeth and was givin a loan deal for paying it off. For the first year there would be no interest rate but if not payed within the first year interest would start. What my friend did not realise is this interest rate is 25.9. They told her that she can pay off the 3200 she owes before interest by november 18 and she does not have to pay the other 1300. What is the best course of action to take in this situation?  <response>: Look really, really carefully at the credit contract. Some of these agreements not only make you start paying interest, but also charge it retroactively if the loan is not paid off during the grace period.This would be a rare case where I would recommend trying to get a credit card with a zero percent interest rate. Then pay the debt with that card and build a plan to pay it off over the next year, and stick to that plan. 