What is the best company to go through for debt reduction/consolidation? I have about 6 credit cards and they are all at their max, and I am only 21!
Now before you go judging me and telling me not to spend my money on shoes, this was all for school, basic living expenses, and to help my family. Student loan companies wont loan to me because my credit score wasnt high enough and I didnt have a co-signer, and I couldnt get federal aid because the *said* my mom made too much (39k a year as a single parent of 3 kids, 2 of which are dependant, a mortgage and 2 car payments? dont think so!)
So… Who are the best non-profit debt relief groups to work with, coming from experience please?
also– does debt reduction show up negatively on your credit report, or does it just show up as a loan?