What if I gave you $10,000 and told you had to pay it back in 60 months?  This Debt has a 37.7% interest rate, so you're paying $372 per month for 60 months.  After you have made your last payment, you would pay over $22,000 in total.  Would you borrow this $10,000?What if I told you that you could pay that debt off in 24 months instead of 60?  What if I told you that if you paid it off in 60