I put an emergency car repair on a credit card 3 years ago and its still haunting me.

I put an emergency car repair on a credit card 3 years ago and its still haunting me. Three years ago I got a flat tire and the alternater of my old car gave out on me at the same time. I didn't have cash on hand to do the repair all at once so I put $1500 on a credit card, thinking I would pay it off overtime. Fast forward 3 years later, my finances are not in great shape. I had to reduce my work hours to finish graduate school ...

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