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Quote last part.... Especially if you capitalise @95% + LMI in the loan.

Go to someone yopu know who has cash, mum dad bro sis kid cousin freind etc... and get them to buy your debt with their savings (if its non deductable) pay them the interest of say 7% (its more then banks pay) but less then your debt and isnt in CRA. theres ways around borrowing...

used cc before just gotta run the numbers and see if ur making $$ by using it. as for how. firstly to avoid paying cash advance fee, use cc for every bill u have and use ur cash u earn from job etc (living expenses $$) as deposit.. or get a starts low stays low cc where cash advance fee...