I came to this forum almost a year ago full of anxiety,no hope and scared to death. I just paid off my last pdl, and 2 other bills,too. It has taken alot of help from this forum and the people on it to get here. The last year has been really tough, made alot of sacrifices, but I wanted to get these paid off. This site also taught me how to make sound financial decisions, and not to get back in the same boat. To all of you who are new, hang in there, there is a light at the end of the tunnel, sometimes you are just in the curve, and can't see it!! Thanks to all of you for your help...Karen