When I was 18, I foolishly took on Gamestop, Amazon, and Best

Declare yourself bankrupt. I'm serious.

>>18573729
Don't. Bankruptcy claims that early will literally fuck you forever. Keep paying away. Dedicate everything to paying those off. Trust me when you're 30 and trying to buy a house you don't wanna a bankruptcy claim

>>18573729
Who files bankruptcy over 3k? I could see over 30,000, not this. Such shitty advice.

>>18573732
Where I live, bankruptcy only affects you for 7 years then it's essentially like you have a clean slate. If you're young, you have plenty of time to recover.

>>18573720
When you graduate college 3K won't seem like a lot. That's NOTHING to declare bankruptcy over

>>18573749
OP here. This. It's $3000. I want to pay it off. I don't want to further fuck up my life. I was just wondering if there's any programs that help with this, or if it would be wise to seek like a $3000 loan, pay off all the debts at once, then just have the loan to worry about. Would that be cheaper?

>>18573767
You could try to consolidate your debt with a local credit union. It might be easier on you to pay one bill rather than 3 a month.

>>18573778
How do I do that? My credit score is awful, since the cards were all maxed out and it's taken forever to get them down. And I'm not a member of a credit union.

>>18573720
Just take a fucking loan out my dude. If you are graduating soon you can get a big boy job and pay it off asap

>>18573729
this is dumb.

>>18573750
this matters nothing. besides you can bankrupt student loan debt anyways.

>>18573787
this means you haven't tried.

go find a local credit union. Its basically a bank owned by the account holders.

They will usually require you to open and move your checking/savings activity into one of their accounts.

Then talk with a loan officer about getting a debt consolidation loan.

Tell us, anon, even when bouncing between jobs, whats the absolute minimum you're sure you can land per week?

Why don't you ask your parents to cover it for you and then pay it back to them without interests?

>>18573720
>$3000
that is almost nothing dude, try being $15k in debt then talk.

>>18574938
>can't bankrupt student loan debt anyways.

just like how i can't type.

>>18575235
I think he meant to declare bankruptcy on the credit card debt.

That said, if he only owes 3k, that would be stupid. Simply pay off as much as you can every single month, and it should be taken care of within 6 months of graduating college (when your first student loan is due). Pay a total of 600/month for 6 months, and it'll be sorted.

Student loan debt CAN be declared on, but you need to prove that there will never be any possibility of paying it off (which typically requires proof of mental incapacitation).

>>18574960
Try being in debt 400k then both of you talk not even joking

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I only take charges on my CC that I know I'll be able to repay next month. In fact, I mostly use a different debit card, only use CC for tickets, traveling and as a backup

What does your budget look like? How much cash goes in each month, and how much is fixed going out(living, food, etc)

>>18575726
did you at least get a good degree and a job in that field?