u/DarrowOLykos8

i’m scared to add more debt. I was stupid at at 18 and signed up for a few credit cards maxed all of them out and couldn’t afford to pay them off. i’ve done good this last year and almost have my car paid off ($400ish left on the loan), but i was approved to get a $5660 loan to pay off all my debts. I am not sure if it is the best option, it would be added on to my car loan. My payment would go down on it, put everything all together on one payment, and it’s 48 months long.
I’ve been sued for them and still have not paid, i do not plan on getting another credit card for a while since this should hopefully bring my credit up? i want a fresh start but i’ve got so much anxiety about how i did in the past adding more terrifies me.
does anybody have any advice?