| Returning to college seemed like a good idea | | | | available. |
| to help me find a new career, but it led to | | | | |
| financial strain and the need for debt | | | | We sort advice from our local citizens advice |
| management help. I | | | | and found a debt management company and began |
| have been working in a factory most of my | | | | talking to their advisors. They were very |
| life and I know that I am getting on in | | | | understanding about all the stress and |
| years. So I decided to go back to college and | | | | pressure we were under. Together we worked |
| learn a new trade that would allow me to make | | | | out a plan that made it easy for us to get |
| a living outside a factory. After all, I am | | | | caught up on our bills. We consolidated all |
| not as young as I used to be and I needed to | | | | our loans to start with. |
| have an option. So I took out some loans and | | | | |
| went to college full-time to learn about | | | | This allowed us to save a lot of money from |
| computers. | | | | what we had been paying out each month. The |
| | | | money we saved each month made it easier for |
| Then I went out into the real world to find | | | | us to get our bills paid on time. Getting our |
| work and I was not making as much as I was in | | | | bills paid on time saved us more money |
| the factory. I know I will make more later, | | | | because of all the extra fees we were not |
| but starting out is really hard and the bills | | | | paying out to others. This made it possible |
| are starting to pile up. I am working hard | | | | for us to get caught up and begin paying off |
| and so is my wife and we are just not making | | | | our debt instead of only going deeper into |
| ends meet. We are getting late notices and my | | | | debt. |
| loans are now getting in arrears. | | | | |
| | | | The debt management advisors gave us the help |
| This debt load is getting to us and it is | | | | we needed to be able to take control of our |
| become a burden on our family. The debt | | | | lives again. Now I am making more money in my |
| collectors are calling and we want to hide | | | | new career and our debt is far lower than it |
| from the phone. The late notices just keep | | | | was before. We can now enjoy the benefits |
| coming and a friend suggests that we need | | | | that come with the increase in the money that |
| debt help. We look at him and ask what he | | | | I have coming in. Just remember that if you |
| means by debt help, is he willing to pay some | | | | are feeling stressed out and depressed |
| of our bills? Of course not but he began to | | | | because of your finances, there is debt |
| explain about debt management help that is | | | | management help available. |