u/CyTheMedallion

Hello Everyone!

I was not sure what to label this but I am currently considering enrolling into a Debt Management Plan, as currently BK is not on the table as im not sure how it would work with student loans and me currently being a student and among other things, I also know that the companies that are “Debt Relief” cause more harm then good, But I have been looking into NonProfit Debt Management Plan companies, is that a good avenue to take?

Please Advise and Thank you!

Hello Everyone, I know to stay away from “Debt Relief” Companies as they require to stop making payments all together but Are Debt Management Plans / Companies a good route if i feel like drowning? I’ve been looking into Money Management International and Family Credit!

Please Advise

Is there any local DND groups that are open to new members or new campaigns ? i’m trying to get into with people around my age (I’m 21 turning 22) but open to seeing what all is out there

Does anyone have any recommendations for good priced furniture stores in the area? i’m trying to get quality pieces without spending thousands of dollars, my Fiancée is a recent college grad and i’m a fulltime student + working fulltime so budgets are tight

this is stupid but they wouldn’t update scores over the weekend right? i took my test late into the week

I am genuinely confused about the buckets that we could be placed into

Do we only get TOLs if we are BQ??? or am I misreading the overall concept