Severely in debt, any advice? 23yo
Hi everyone,
I underwent some serious manic mental health issues in college and ended blowing through thousands of dollars. Not an excuse but just wanted to explain how it happened so fast. Now, I have a super low credit score, have around $5900 with interest in credit card debt, like 4k dollars in random pay in 4 and buy now pay later purchases that I'm having trouble even tracking, and 5k in student loans.
Where do I even start? Anyone have any advice on how to tackle this? I feel so lost but finally doing so much better and I'm finally able to work, right now I make almost 3k a month and my monthly expenses include groceries (roughly 80-100 biweekly) and two bills (300 a month) plus toiletries and some on eating out/going out.
Also, any advice/hope (lol) from people that have gone through similar troubles?
Okay! Updated numbers $3579 in cc debt, $3286 in payment plans (affirm etc. - some have moved on to true accord), and 5k in student loans.
Thanks.