I have an insane interest rate on my dental bill causing a $27k to turn into a 47k. Kinda considering just not making the payments anymore, like I have no motivation to do so when my mom got the same work done plus extra (she got a full dental implant on top and bottom, I just have the top) done and her interest rate isn’t near that much. The only thing holding me back is my dad co-signed for me on this and I don’t want to harm his credit. I can honestly use this money to move out which is what I’ve been wanting to do but damn I feel better about the way I look now and that results in college level debt. I could have no payment but bad teeth, or have perfect teeth with a $482 a month payment. I know I made the right decision but I’m not gonna lie, I’m pissed about this monthly rate. I’m honestly pissed. My next payment is due on the 23rd and I’m so close to accidentally “not paying it” omg but since it’s technically a personal loan disguised as a dental bill I feel guilty not paying it. Obviously I don’t have the guts to not pay it so I’ll just complain but this is bull. I’m calling the company tomorrow and demanding a lower interest because my mom got double the work and is paying less money I don’t understand. Of course the dentist goes with the most scammy company notorious for huge interest rates and surprise fees. I’m questioning if my happiness is worth it because I’m happy with myself now, but inside I’m pissed and mentally drained because of a damn expensive bill I can’t do a crap about