Hi! I'm 28 years old and am a 3rd year nursing student. Unfortunately, as soon as I was 18 years old I started to get credit cards. Since no one explained to me how to use them responsibly the majority of them went majorly delinquent and charged off.
I also (stupidly) took out payday loans that I defaulted on.
To top it all of, I have loads of medical bills. One went to a wage garnishment that I paid off.


