I'm 26, with a lot of debt. The majority of my debt are school loans that I am consolidating. I need help cleaning up the rest of the debt so that I can start repairing my credit score. I am in the beginning stages of a divorce, but there's no property involved. I have a 3 year old and I would love to purchase my own home/townhome with in 3 - 4 years. I just landed a very good job, that's regular and allot's me benefits.