Borrowing at 20% APR is stupid. Did you think it would end up at $XXk without any corrections along the way? That said, look back next year and perhaps things

Borrowing at 20% APR is stupid. Did you think it would end up at $XXk without any corrections along the way? That said, look back next year and perhaps things won't be as gloomy as they are today. Edit: I can't believe I'm saying this, but you might want to look at refinancing that debt using a credit card. Their APR tends to be around 10 to 13% per annum. Might as well limit the damage done.