my situation has gone so far downhill. and the sad thing is, i had no clue what i was getting myself into. im 21 years old and $75,000 in debt with no college degree. how does one accumulate so much? what happened to me... i wanted to attend a really exspensive school to become a graphic designer... then 1 year into school i was approved for a $10,000 credit limi. i have $50,000 in student loans and a $10,000 credit card... i found out soon after that i could have credit cards for all my favorite shopping. so add 2 more credit cards to that... oops maxed one at $1000... the other is at $500... the reason i maxed them out was just foolish and i had no idea what i was getting myself into... oh if i just pay the minimum amount. why did i not know anything about credit cards? and i own 3! now i was starting to understand credit... no one had taught me about that.. i had to learn the hard way how to manage my finances.. +Late fees up to a year... medical bills... and the whole works..I have thought about Consolidating all my stuff.. but its really hard to talk with 3rd parties.. i have found it much easier to negotiate my way to .50 on the dollar. it can be done and i will go back to school once my credit score improves so i can get approved for another loan, or hopefully a scholarship... art contest here i come! im so their right now.. and im happy to say that Oct. 1st I will have my $1000 Credit limit PAID IN FULL! CLEAR!!! The message i want ppl to learn from this is that even in a situation that seems impossible to escape from... it just takes baby steps... you cant build a castle in a day. and learn research all you can if you are considering getting a credit card or just something that has payments... be ready and know what your getting into.. its a lot harder than you might think. but you can learn!

Jennifer Joost

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