Given that you and Kris
already pay more than $ 1900 per month and given that you are both responsible with your money and are unlikely to find yourselves
in a
dire financial situation, it seems like it might have been wise to choose the loan with the lower rate.
We all understand that there are organisations that can assist
in these times, and they have used them
in the past to try and manage their electricity bills (another strain on their
already dire financial situation), but the process apparently requires all parties on the account to have proof of income - and one of the four residents has only just recently lost his job, after a few months of not being paid, and repeatedly cut from shift work.