"Got approved for a loan through my credit union and could literally cry rn"

I was 10000% sure they’d deny me, but I had to take the shot. And it worked. The funds will hit today and I can pay off all four of my cards. I have worked so hard to change my life and habits but the crushing weight of interest on my poor past self-control has been eating me alive. I now have a manageable monthly payment at less than half the interest, and in less than four years I’ll be free.

My situation is not as bad as some ($19k) but it’s the biggest shame in my life by far and I have no