This is embarrassing to write about, but each month I seem to be barely making it, and sometimes NOT making it till the next paycheck. I see these services advertised for debt consolidation and lowering interest rates, etc. Some say they are free services. Has anyone here had experience with this. I always pay my bills on time and have excellent credit rating, but it's just getting harder and harder! Most of my expense is due to the cost of tuition toward my MA, which I'll finish this fall and get a substantial raise after that. I just hate having these debts!
Advice appreciated.
Patty