Hello, I have two credit cards - a Chase and a Capital One - enrolled in Lighthouse Credit Management for the past 4 years, and I've basically paid them down from roughly $3000 on each to around $650. I've had the Chase card for close to 15 years, CapOne around 9. These are scheduled to be closed once the balance is paid off, which I realize is probably not that good. a) should I get off the debt management program, because now I have my life back together such that I can make the payments myself? b) should I keep these cards open because of their long history and positive payment schedule for the past 4 years? c) how do I go about dis-enrolling and not getting jammed with higher APRs? d) will Chase and CapOne balk because I want to get off the Debt Management, which has given me really low APRs for the past few years? Thanks