I was referred here by several friends and have been reading as much as possible to become as informed as possible. My situation is basically this: I have LOTS of student loans (not sure what exactly constitutes alot but trust me its quite a bit). All of them are in deferment as im a single mother and im taking prereq's for my masters. Havent began payment on them yet (grad'd for almost 2 years). The rest are mainly medical bills and old late payments, etc from when i was much younger. To date i have a mortgage, a car loan, and one credit card with Cap 1 with a low balance, but still at its maximum. I think so far from what ive read the best place to start, aside from paying down my cap 1, is to start asking for validations from all my creditors. Is this correct? As for the student loans... is it best to consolidate these? Also, even though these are in deferment, some of my student loans are showing that they have been 30 days, 60 days late, etc... how do i dispute that? Thanks so much for the help... back to reading! Rain...
