when my mom died i took that 12k card out and went to the bar for 3 weeks when i was done and had a chance to look at what i spent on it i was near 6300 bucks in bar charges /hotel rooms

accounting is one of the weird jobs u could start working from home (tele comute)

as for what u charged tell him the interest rate on the cards for a new person u are looking at 18 to 21% (every month they can charge u for that amount on the outstanding bill) for me it took 3 years to pay off that bill with the 18% they were charging me i paid them about 2k more then i spent

if your parnets have the money take it from them to pay off the credit cards and tell your parents it is a loan with a 5% interest rate (so u they are not out money that would have made them a few bucks in the bank interest )

u keep the pride .........they help u out and they make a little more then the bank would pay them ........and u are completely out of debt before u get going