Your only options are transferring the balance to another card, which will likely cost you a balance transfer fee and could offset any savings of interest you were hoping to achieve. If you are considering an equity loan, that would make matters worse by converting an unsecured student loan and credit card debt into a secured debt--never a good decision.
By far your best option is to reduce your existing debt as rapidly as possible by paying more than the minimum payment, or see if your creditor is willing to lower your interest rate.
- I keep being denied a credit card so what do I do? I'm full-time college student and work one full-time job so I have income, but I need a credit card to build up my credit so I can buy a car.
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