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Parker

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  • I'm 15k in debt. I'm not behind, and I can't seem to get any help. What are my options?

    Im currently $15k in debt right now. I can't seem to get approved for any consolidation loans (even with a co-signer - ive tried on Nerdwallet and all of their recommendations). My credit score is a 645. My debt/income ratio is a very hefty 87% (includes car payment (not included in debt calculation), insurance, rent, utilities, add in my debt / income). I was young and dumb and thought I had money but growing up now.... yeah that wasn't true.

    What are my possible options? I don't want to file for bankruptcy but if that's my last resort than so be it. 

    1 AnswerPersonal Finance7 hours ago