[Rick Lee]

I did it right out of college. It's to be avoided if at all possible. Those fees can end up being a large portion of your monthy payment. And your credit score will definitely take a hit with a big "consumer credit counseling" entry on your report too. You can call the credit card companies on your own for free and see which ones will play ball. I'd do that before paying one of those sheisters a hefty monthly fee (for years) to do it for me.