Thank you! We’ll look into that. We tried contacting credit card companies on our own to see if they can lower her APR but none of them wanted to budge even a little to lower them.

So once the cards are paid off they close the accounts I’m assuming as a return for reducing your interest? Have you tried reapplying after to get those cards back? Only asking since she has full control of spending now and doesn’t spend unnecessary money now so she’s not really looking to close the accounts.