I have been an unemployed college student for around 2 years altogether. I racked up alot of debt in that time as any job I had usually did not even pay rent. now that I am getting some extra cash and live back at home I have been looking at some options I have open to me.
One of my first thoughts was maybe bankruptcy, but it wouldn’t help me I really don’t owe that much. So I thought about financial consolidation software and that could be a good choice for me as it would show me visually what I can do. My other thought was just call and get payoff amounts. Thats alot of work and I tired once already only two places gave me a discounted amount the rest wanted everything. I refuse to pay all fees and interest on a payoff. Eventually they will back down.
I am hoping that by this time next year I can be caught up on my back payments. I won’t be out of debt as I still have student loans, but I will be doing better.
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