credit card debt catching up

[orangethings]

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[3rdMolarRoller]

I once worked for CitiBank in collections and rest assured I came across many people in your situation. Unfortunately citibank did not offer such loans but they did offer programs that would lower your interest rate, sometimes down to 0% and eliminate all over the credit limit fees and late fees. But there is a catch: this program is only 6 months long.

If I were you I would consider a debt consolidator and make sure its a not for profit agency. Many banks won't deal with "for profit" debt consolidators.

Hope this helps some.

 

[JJNY]

If you can get a cosigner, try www.educationone.com.

 

[madcadaver]

Do NOT ignore the problem-- pay the minimums or talk to the creditors and work something out. Even a few late payments can markedly affect your credit score for the next couple years. Spoken from personal experience.