How is returning to school at the age of 34 messed up?

I returned to school late in late too. I created this issue by not being more proactive with my credit reports; I could have disputed the incorrect items a few years ago multiple times to get them removed, so that I wouldn't find myself in this situation.

I found an endorser after all, so I will at least finish my degree.

What I hate with collection agencies is that there literally is no way around their illegal tactics, no matter what federal statutes or state statutes exist to protect consumers. You pay off a collections account? Doesn't matter. That debt collector can still sell your account to another debt collector, who then reports the old debt as a "new" debt, and starts another 7-10 year cycle where the consumer can't get the old debt removed b/c it's reporting as "new" by the 3rd or 4th debt collector who bought it off another debt collector. Such a scam, credit cards and borrowing.

Sometimes I wish I had moved to Europe 30 years ago, and gone to university for free. But time machines don't exist. So, here I am. Still have my car. Still may sell it anyway. Not sure.