broke

Don't feel down. Everyone goes through rough times in life. Good to know that you want to take care of your responsibilities. It's not too late. If you need professional help, one consultant will plan your repayments with the creditors. You can do the same with your creditors. See the DIY section. It will come handy in your negotiations. Call the creditors and explain about your present situation. Put your proposals and get them to work with you. Keep negotiating for a lower interest rate. There are few more options on which the debt expert will be discussing with you in the counseling.

hi i'm am a 24 year old woman and i also am in your same situating but i'm in debt because i had a liver transplant when i was 17 and when i was 22 i had to stop working because i was in rejection real bad and had no income coming in there for i had no way to pay my credit cards bills but now i'm trying to get back on track.