Working on this and I have a meeting tomorrow with a couselor.

I recently just had a session. I budgeted with the person and then consoladated 6 accounts. Now I have to start the payments in March. I hoping this works out. Somday I would like to buy house, even if it is a house just for me.

My hair started falling out due to worry and stress

lump payment at beginning of each month not done until 2010

It worked alright, but it also made things worse!!

Im still paying it off its ok better than paying alot of different debts.

using credit cards wo bal trnsfr and no apr for months thenstart on another until they are down

Consolidated what's left of my student loans thru govt program. Lowered payment, for sure.

Have done this twice in the past. My husband has us so far in debt now--they won't even consider our application

It helped me in the past. I'm not at that point yet and I don't want to have to go down that road again. I just want to work everyday like a normal person.