Trevor’s online gambling debts have gotten out of control, so Trevor has gone to an agency that advertises it will help people get out of debt. He has \($15,000\) in credit card debt and is unable to make his minimum payments. The agency agrees to help Trevor take out another loan at 13 percent interest, for a \($200\) fee. Because he’s now paying a rate of 18 percent, this sounds like a good deal. Explain the pros and cons of Trevor’s decision.