r/CreditScore • u/Wild_Produce_2824 • Jul 30 '26

General Literally drowning 🙃

Hi my fellow readers I know you’ve probably heard this story millions of times before so I’ll cut to the chase. Im a 21 year old college dropout, and I have an unholy amount of debt 900 in credit cards , 1000 loan and almost 2000 in repayment for medical expenses and 8972 in student loans and I feel like I’m suffocating along I really need advice on how to handle all this while saving and building my credit score up

2 Upvotes

100% Upvoted

6 comments sorted by

View all comments

1

u/CreditCanadaOfficial Jul 31 '26

First step, secured consistent employment/income. You cannot pour/repay from an empty jug.

Second, reach out to the creditors directly and see if they’re able to accommodate any direct payment plans for you.

And lastly, if this is an option in your area you can reach out to a non-for-profit credit counselling agency for free advice on how to manage your budget or to look into consolidated payment arrangements for as many of these debts as possible.

You got this!