Helllllppppppppppppp.... I am in debt

Welcome to the site, since you have registered a credit counselor will contact you to discuss your situation.

If you are not able to afford payments on your credit cards and student loans, start paying the credit cards now and let the student loans wait for some more time. Call the lenders and request for forbearance. You can buy some time from them. When your financial situation improves later or after you have paid off the credit card debts, concentrate on the student loans.

Welcome to the Community :D Since you have registered, someone will contact you for your free debt consultation. Here is a link on the benefits for you to look at until they contact you at http://www.debtconsolidationcare.com/benefits.html you can combine all your unsecured debt into one payment with lower interest. We are here to help you and guide you through the process of becoming debt free!!.KAren

Definitely, pay on the credit cards. Contact your student loan lender and get a forebearance. When the forebearance expires, determine whether you can afford to pay on the standard plan. If you can't apply for the income contingent plan. It's about $50 a month. But the forebearance will buy you anywhere from 6 months to a year. Income contingent can get you as much as three years. Just know that interest accrues during the forebearance and income contingent periods so you want to get back on track as soon as possible.