Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Help? Drowning in problems with Credit..? - I need an action plan I have no idea what to do. I am in college and am 20. I have 3 Credit cards, with about $1000 on debt on all of them. All of the cards have a 24.9% APR. I never used them but due to an emergency I needed money. Now I am in debt. I am basically at my limit with all of my cards. Due to the emergency, I no longer have much money in my savings. My credit is OK (low 600's) but I have many inquiries for credit and keep getting denied because I have not had credit for long and I have a huge amount of debt. I need an action plan. Can't do bankruptcy because I AM able to pay the minimum but at my interest rate, I am just dying. Help me! I looked into a consolidation loan and I was denied. I have a job so I am working to pay it off but I don't know what to do. I want to get rid of my debt and save some money in the bank. I have sold basically all my assets worth money to pay bills and keep drowning. HELP! Any extra money I get seems to go right to my debt but the debt keeps growing. HELP plz.
Thank you -