1 comment

  • Avatar
    Nikhil Wason

    Don't even consider it! I don't think it is reasonable for you to put your retirement fund at risk, just to pay off your existing credit card debt. The best thing you can do is to make sure you're paying the minimum amount, on time, every month. This will help you to gradually lower down your card balance and prevent any negative item from showing up on your credit report. If you really want it pay it off sooner than scheduled, then pay a little more than the minimum amount each month. For sure, you'll see a significant change on your score in short span of time. 


    Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future. We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible.

    Learn what others are saying about us on Google, Yelp, and Facebook or visit us at If you have any questions, send us an email at

    Comment actions Permalink

Please sign in to leave a comment.