Hello, I am a fresh college graduate with lots of debt and unemployed. The market is hard and I am looking, even for simple jobs that will hire me but no luck so far. Anyway, I have 3 credit cards that equal up to $4000 (Chase, Discover, and one through my credit union). My Chase card is delinquent with 30 days since my last payment. My credit union CC has a fixed payment of $20 a month and is the easiest to pay and my Discover is cheap since it has a $500 limit (most float at $40 a month). I also will be having student loans kick in around November. I have kept up on my payments until I graduated...since then, Chase's payments have slaughtered me.
I live in Philadelphia, PA. I need a consolidation if possible, I've been avoiding Chase but if I could honestly pay them off first, I would be able to pay the other ones much easier. Help/advice/etc. would be appreciated.
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