Attempting To Claw Out
I've got roughly about 18k in debt, basically 9k on a credit card and some bad loans. I wish I had learned how to get my spending habits under control earlier, but I'm kind of at the end of my rope here. I've been trying to avoid settling on this debt because I'm already sitting at a 550 area credit score, I don't need to further hit rock bottom. My friends and I are currently looking into the possibility of going through a credit union to get a debt consolidation loan. Their scores are much better than mine, so my hope is to get something from the credit union, and pay off the bad loans. The only reason I don't want to settle is because I'm already 4 payments behind on card payments trying to just pay off these loans.
No, I'm not fishing for sympathy, I'm well aware this was my fault and I need to do better. I just want the loans paid off so I can put my own money towards paying off the card and feeling like maybe I did something good once in my life to pay this all off. When I'm debt free? I don't know. That's if I can ever get debt free.