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debt + (7)

I'm in debt, behind, and can't afford the minimum payments. I freelance and haven't made enough money to cover expenses for a good while now. Although some recent changes to the way I do business have had a positive impact, I'm still not making enough to pay for said debt on top of my regular expenses, let alone catch up. I'm returning to school soon for a two-year degree that, by all available information, should ultimately lead to a good middle-class income. But until it does, what do I do? Who do I talk to? Do I have options? [more inside]
posted by anonymous on Jul 11, 2012 - 14 answers

Have you ever used a debt consolidation/management company? What was your experience with them like? Can you recommend one? [more inside]
posted by All.star on Mar 31, 2009 - 16 answers

I have already consolidated my student loans (federal Stafford loans) with Brazos, and I am not happy with them. Is it possible for me to move these loans to another lender? Is there a down side to doing so? [more inside]
posted by nosila on Dec 15, 2008 - 2 answers

Debt/Loan Filter: I was stupid with credit and debt when I was younger. Is there anything I can do now? More details inside. [more inside]
posted by slavlin on Aug 24, 2008 - 11 answers

Cheap Money Filter: I've got a moderate amount of credit card debt right now ($15k), at reasonable but not great rates (13-18%). I'll be making more money in the upcoming year, and the debt load is manageable, but I want to explore trading these loans with an unsecured line-of-credit type loan or some other loan. Advice? Suggestions on where to get a good rate (i.e. got any good junk mail lately)? [more inside]
posted by zpousman on Jan 10, 2007 - 15 answers

I've got around $8000 in credit card debts, my minimum payments are costing me as much as my rent, and the interest rates are so high that I'm not gaining any ground. Help! [more inside]
posted by squidlarkin on Oct 18, 2006 - 30 answers

Should I get another credit card? [more inside]
posted by synecdoche on Jun 9, 2006 - 15 answers

Re-Mortgaging: Advice/Warnings for a Canadian? [more inside]
posted by chudmonkey on Jun 2, 2006 - 11 answers