<prompt> Human: He currently has two credit cards with extraordinary interest fees that hes struggling trying to pay off. Someone recommended him to get another credit card through PayDay to pay it but the APR proposed to him was a 23.99 !!All of this began when he went to the hospital and ended up with astronomical medical bills that he was unable to pay off so he routed himself to using credit cards to pay it off. In unison with being a college student, his credit score plumeted as well as a collector reaching out to him for the medical bills. Hes currently in the position of paying off both of these credit cards, so he could ultimately begin paying off his collector. What options does he have to better rectify the situation? Thanks for your help guys!! And if it helps in any way, he also has a car loan.  <response>: For future reference to anyone seeing this.If you end up with medical bills you cant afford.Tell the hospital that. Eventually theyll reduce the amount owed and likely give a payment plan.Much better than using credit cards. 