<prompt> Human: Ok so, a few weeks ago a friend of mine that Ive known since before I can remember offered to buy out my credit card debt through his prime interest line of credit. Im wondering what reddit thinks about this. Im hesitant since there is always a chance that we become estranged especially since money would now be involved, or that I could lose my job and not be able to pay him back. Basically he says he would want me to make a payment to him monthly for his line of credit, basically the monthly payment. He knows the full extent of the debt I have accrued 14k which Im paying off at a rate of 400 dollars a week. This arrangement would make things faster to pay off, since I wouldnt see a problem maintaining the current level of paying it off, and I wouldnt be dealing with 3 cards with interest.Most of the debt was from really stupid decisions when I was younger, that would make pf cringe. Basically I had credit card debt, and used my debit card until I realized at he end of the month that I couldnt make my minimum payment. I just said fuck it and then week after week it got worse and worse until here are. I have some other spending habits I need to break, like getting coffee and breakfast basically every work morning, and Im working on that. But having this offer on the table is tempting, and would take an enormous stress off my shoulders. Still, Im wondering what yall think.  <response>: If hes just a good friend thats offering then look into it. But I dont know what else his agenda is. 