@shirogane_yui Try looking up Balance Transfers with 0 APR (0 interest). Some let you have 0 interest for 21 months. If you could somehow pay off a balance in that 21 months you could avoid interest from accruing on that balance. You'd have to pay a fee (like 3% or 5% of the balance).
@emsrequiem I accidentally saw a youtube thumbnail of the barrel pointed to his head before I finished the game, so I played the rest of the game pissed off and bracing for it, thankfully it wasn't canon