[ava_viktoria]

Is there a way that I can manage my debts properly? I seem to forget them when I'm busy? Are there debt solutions? If yes, what are they?

[Clough]

Hi, ava_viktoria!

What sort of things are you in trouble with concerning your debts, please?

Thanks!

[ITstudent2006]

Well Im no financial guru but here is what I did. I had some debt issues, credit cards, loans (school, car, and others) and I had like 4-5 payments a month and it got out of hand quick. I was young and thought I could afford everything.

I went to the bank and they consolidated all my debt into one huge loan. One payment per month. Yes it's a lot cheaper then it was before but it will also take longer to pay off. But I figured I had nothing but time after all I am only 22. (20 at the time).

Not sure if this is something you can look into but it might be worth a shot. Remember credit score is a factor. Essentially what the bank does is pay all of your cards, loans etc... and then gives you a huge loan for the amount. You have to meet requiremtns for loans so talk to your bank or financial institution and try and get this figured out.

Also remember that is takes moments to ruin credit but forever to fix it.

Rick