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Name: Jason
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Depressed about financial situation - April 1st 2012, 10:50 PM

Well, Long story short.. I am 20 years old, got my first job 2 years ago, along with payday loans, credit cards, loans from friends, ect..

I've managed to cut my debt down to 7000 but I am having impossible times keeping up with it, Its now all starting to get behind and late fees are going to kick in..

I am trying to find a company that will give me a loan to consolidate all the bills and lower the payments just a bit but none of the companies will do so because of my Debt to Income Ration.. What I don't understand Is that, If I get the loan, I wont have all of those bills to pay but them..

What do I do?


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Re: Depressed about financial situation - April 2nd 2012, 03:32 AM

Hm... I know how it feels being in massive amounts of debt. I have been there but luckily at the time I was able to move in with my parents (rent-free) and stay afloat. You have looked into lowering your debt- is there any way to increase your income through something like a second job or selling things on the side to just kind of aid in your income?

I wish you the best.


"Ignore the ramblings of the ignorant, and step on or over their crumpled bodies as you make your way to the top of the mountain. Eat upon their flesh for fuel, and, through your determination and will, banish them to obscurity and a life of complacency and self righteousness that is the hell in which they live"

-Richard Safreed

"Civilize the mind, but make savage the body."
   
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