u/IncomeHorror4018

Hi I’m currently enrolled into the national debt relief. It’s been 3 months. I wasn’t getting approved for personal loans. I have about 50k in credit card debt. I make 68k due to a promotion. One year in my position now. Sadly I was not wise and let debt build up. I’m learning to be wise now as I’m older. I read there were downsides to national debt relief. But also upsides. I felt like I was drowning in minimum payments. Please share any advice if anyone has any. Thank you all. God bless.