Debt Consolidation Credit Counseling In Phoenix

In today's world, it can be very difficult to get ahead. People everywhere struggle to pay bills and take care of their families. Education is more important than it has ever been. Getting an education, however, is expensive. People that have little means can struggle to pay the costs of tuition, books, fees, housing, and other expenses.

Each person's situation is unique and each person has their own challenges. Fortunately, for people living in the U.S., there are options out there that can help almost anyone to pay for a college education.

My parents honestly were dead broke when I was growing up. Even after their six kids left the house, they struggled to make ends meet. I honestly have no idea how they paid for us all when we were living at home. When I started college, I honestly had no idea how I would pay for it. I could barely pay for rent.

To make things worse, I didn't learn anything about credit growing up. Once I got my hands on some, I quickly ruined my credit score. By the time I learned about it, my score was already down in the 450 range. A 450 credit score doesn't exactly open up any doors for you.

College became very difficult to pay for, and since I had bad credit, I didn't even try to get a loan. This meant that I would have to work for a few semesters and then be in school for a semester. After 7 years of this, I still don't have a degree.

The government has created some great programs to help people like me to get funding for an education. Since I didn't know, I missed out on a great opportunity. I'm now seven years into my education, and just now getting close to earning a degree.

Getting student loans when you have bad credit is actually pretty easy. Stafford loans are secured by the federal government, so they are available regardless of credit history. People with terrible credit can qualify just like anyone else can.

I think these loans can help almost anyone to get an education. Going into debt for education is sometimes scary, but the increase in earning power definitely makes it worth it. If you have maxed out your Stafford loans, you can look at a private lender. However, if you have bad credit, you will probably need to get a cosigner. As long as you can, you can still get a private loan.