Seeking and appeal to buddies

[NTL]

Based on $5000, at 24% interest, the difference in payment is around $30. I am sure that with a manageable finance and a decent job, you can pay the difference. A ready-credit or similar loan at 12% will reduce the monthly amount to $444/mth. Better than the one that you are asking for.

CC interest is compounded monthly, while the offer's interest is flat.

I agree with d.o.g., CCS approach should be the most work-able solution at the moment.

Ya, this is based on 2% monthly interest.