[Warik]

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How do I deal with these people? Anybody have any experience or advice?

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ummm...

Step 1) Borrow $1,500 from your parents.
Step 2) Use $1,500 to pay debt and eliminate interest charges.
Step 3) Get a job.
Step 4) Pay your parents $500/mo until you're done.
Step 5) Quit job and send last paycheck to me for my brilliant suggestion.