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I'm desperate

I have recently graduated from University with a lot of debt. Although my student loan is being repaid as I qualified as a teacher I racked up a lot of credit card debt. How can I get out of this? There seems to be no way. My bank will not increase my overdraft or offer a loan to consolidate this mess and no one else will seem to touch me with a barge pole. I just need a way of consolidating it to get my head above water to deal with it properly. Many thanks.

Comments

  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Coming here is a good first step

    The first thing the experts will ask for here is an SOA


    Good luck :)
    No longer using this account for new posts from 2013
  • oops_a_daisy
    oops_a_daisy Posts: 2,460 Forumite
    Part of the Furniture Name Dropper Combo Breaker Debt-free and Proud!
    Hi Josh and welcome. If you look at the sticky thread 'first time posters' you will find a template to do a Statement Of Affairs (SOA) try to fill as much information as possible so that you can get the best advice possible and post it on this thread. Dont panic - everything can be sorted. It will take hard work and sacrifice but we are all here to support you with advice. All the best :)
    :cool: Official DFW Nerd Club Member #37 Debt free Feb 07 :cool:
  • In_Search_Of_Me
    In_Search_Of_Me Posts: 10,634 Forumite
    Just wanted to say hi & welcome. Post your SOA & we can then get a better idea of where you can save...big hugs!
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • MinnieSpender
    MinnieSpender Posts: 2,975 Forumite
    Congratulations on graduating - as you're a teacher, have you got a job lined up?

    Maybe you could do a bit of personal tutoring to bring some cash in while you wait for the new term to start?
    :eek: What if the hokey cokey is what it's all about? :eek:
    Official "Bring back Mark and Lard NOW! or else (please)" Member 16
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