u/EmotionQueasy3804

Edit: Location is OK!

Hey everyone! Long time lurker. First time poster (as of today).
I’m noticing a lot of strange behavior after my first post, so I wanted to ask before I start giving people my information. I understand some level of personal info is required, but I have people DMing me to talk to them through WhatsApp, Telegram, etc.
I don’t know what to expect so I just wanted to see if that’s normal for lenders. I can understand the need for privacy, but.. yeah. Negative connotations around both apps lmao.
Thanks! :)
P. S. Sorry if this breaks any rules! I read them, but again, not sure what to expect here.

So, background:

I’m 26F. I take care of my elderly grandmother, mother and nephew. Grandmother is disabled. Mother can’t afford bills either.

So it lands on me. That is where most of my money goes.

I had no savings and ran into a terrible, AWFUL thing — CreditFresh. My credit score is tanked so it’s the only thing that would take me and I am certainly paying for it. Their “fees” are outrageous, but I understand that’s the price for being a high risk borrower.

My question is: Is there anything, any program at all, that could help reduce this? Consolidation loans not an option, I tried and got denied (deservingly so.)

It is $240 every 2 weeks… with $200 going to fees and only $40 to principal. It’s a $4,000 line of credit that I had to take out for an unexpected medical expense.

I understand the default response is going to be to pay it off aggressively, but I’m in a temporary cash flow restriction (for medical reasons). I’m not doomed, but it would be AWESOME if there was some kind of plan or alternative to this.

Would debt relief programs even touch this? I am already living off hot pockets and McDonald’s rewards. :|