Deception posted:

Solid advice. Really. We are under 35, I've been pushing for her to refinance for a while on the car, she's already put down 5k down on it, has had it for about a year. She never misses a payment on any of these things and always pays over the min. She does have an "emergency fund" but it's very small. She is 24 and dealing with a lot of stress, so any advice is great advice that she doesn't have to personally take on right now. Proud to be part of SA right now, you are making a difference in her life.

Also want to clarify, her cards were given at a young age, when she virtually had 0 credit. Now she's sitting around 700 and I am trying to take the load off her by doing research to get a lot of this out of the way.