debt

[Sarah999998]

My credit score is really low from being unable to even make a payment to my student loans. I've talked with FAFSA and quite a few people but don't know how to change it to something lower. I also have a credit card that messed me up as well. It would take random amounts of time to take the payment out of my account. What should I do? I'm trying to fix things, but no one knows what to do.

[Sarahkgo]

Ok, we’ll need more information, like:

What are your monthly household bills?
-Rent
-Phone
-Internet
-Utilities
-Transportation
-Food
-Insurance

What is your net monthly take home pay?

What other debt besides student loans and credit card do you have?
-Car
-Personal loan

Have you done a personal budget to see where you could cut costs, such as:
-downgrading your cell phone to the basic level
-selling your car and using public transportation, unless it’s already paid off
-finding living situation that could share costs with friends or roommates

Having difficulties discussing your payments with the lenders aside, you must first have your house in order to know EXACTLY how much room you have to maneuver, and you should be planning every month down to the penny.

[NCperson]

There are a number of community groups that wil Cisco you through what to do .. free services

Check local library for contacts in your town