I am a third year student, and have made a few mistakes money wise. I do feel i have learned from thses mistake and know I wont make them again, but I dont like that these mistakes can still haunt me. I just would like to be in a position to eliminate debt and have 1 bill to pay off, as opposed to late bills that keep rising because there are far to many things i need to pay for. I need to pay off fees from a car accident i was in over a year ago, pay off my credit card and phone bill while still being able to pay my rent, tuition, books and living fees.