Student + credit + upcoming cles = limbo!?

Whatever you do, do not make the same mistakes I have made. While I never ran late on my payments, I have, since I was 20, been just shuffeling debt around instead of just taking care of the issue. So then one day you wake up and you are 37 and suddenly realize what an idiot you have been... DO NOT under any cirstances get any other loan....Get a job and eliminate the debt....