The Federal Reserve is not expected to announce any interest rate cuts today for the fourth consecutive time this year. Bankrate's Greg McBride says rates will not change until things become more stable. Rates are still high hovering between four-and-a-quarter and four-and-a-half percent. Mortgage rates are near 7-percent, the average credit card rate is north of 20-percent. McBride says consumers should focus on paying down high-cost debt.