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One of the things that make a relationship and happy is being good stewards of your money. I follow the Ramsey financial philosophy and I have done well. And, yes not paying them back has a negative impact on your credit! TallGirl, if you have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school.

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So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach. DO NOT loojing more than the minimum unless it is the minimum debt. Do not focus on interest rates! BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other looklng credit accounts. I would pull a credit report to what you have going on.

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