<prompt> Human: Okay so my current living situation isnt the best. My lease ends in one month and I need to be getting money together to put a deposit plus first months rent for the next apartment. Problem is, 233 is going to credit cards every month and that is taking out a huge chunk of my finances. I only bring in 1,400 every month and 1,166 goes out to bills every single month including credit cards.I have very good chances to being approved for a 5,000 loan which would help me bring my credit card debt from 5,965 to just the 965. Estimated payments for the loan are 209month which is somewhat less than what Im paying now. I know that with a lower credit balance my minimum payment options will be significantly lower and I can completely wipe out two of those bills. One of them being my most expensive payment at 70month. The APR on the loan is 28.85 and for 36 months. Should I get the loan? Based on my situation does it sound like a good idea? Im not expecting my income to change anytime soon and this loan seems like it can really help me get out of a hole that Ive found myself stuck in. Thanks in advance for any help!  <response>: The APR on the loan is 28.85 and for 36 months. Thats not an APR. Thats a jack. 