Hello! This my first post to the group, I have lurking since late December of last year and found this group as a lifesaver. Okay here is my deal I have two credit cards one from AT&T which is now with a collection agency and currently owe around $1300 on it, and have another credit card MBNA and owe around $1400 on it as well. I have been working on paying these down. I have outstanding student loans of close to 10k, and been trying to get them off my back as I cannot repay them right now (going back to school in the Fall), and trying to figure out how to handle them and they say I make enough to pay them but technically I really don't lol. I also have a hospital bill of close to $1000 that I am also paying off. I only work part time due to health issues. My goal is to get all these things paid off except for the student loans. I guess I am really looking for more advice on how to handle the student loan folks. They have already reported to credit history of deliquent payments, and I remember that I was deferred a few of those times or at least I thought I was. Another question is what are those credit scores everyone is talking of? I went to look at Worthknowing.com and received my report and a score and it looked horribly low unless I am looking at it wrong. I am sorry this is so long, but I have a lot of questions. Thanks!
