I owe 500 on two credit cards. Not much but they are nearly paid off. I'm making payment to them every month more than the minimum, and have started to save. I am on waitlists for subsidized housing. But don't like the units mostly. I can stay with mom build up my credit, save, and buy my own place in two years. That's the way to go. My dreams come true. Where there's a will there's a way.