i have a small (compared to most peoples) student loan, and then a pretty big car loan, and an old medical bill, that to my understanding was supposed to have been taken care of, but oh well. I would just like some help to manage my payments, so I can pay back what I owe, but the high interest rate of my car payment is working me over pretty good to where I can rarely even afford to make payments on the other two items, so I haven't even tried. I'm just looking for someone out there to help me stay afloat before my credit is ruined forever.