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Installment loans don't affect your utilization. They're more of a DTI concern. Paying an old student loan doesn't automatically help your credit. If it's been on your report for over 10 years, it may be obsolete or inaccurately reporting under the FCRA. Paying or settling...

If this feels doable, it may be a good option. Many employers also offer legal services for free or at a lower cost. You get counseling, then consider all options. Think about what will be easiest moving forward. I’m going to try to check with my company soon.

Change your mindset and habits. Start meal planning backwards. Cut back all unnecessary things. Use some savings to pay off or pay down debt. Investigate your spending habits. Then you can really get to the bottom of debt.

I've been reading posts here for debt payoff ideas. I owe about $13,000 in credit card debt, $20,000 in personal loans, and $10,000 in a private student loan. I'm not including my car loans. For health reasons, I can't take a second job right now. I'd love to make and sell something on...