The suggestions above are smart. I'm gunna elaborate: Minimum payments are dangerous because they do not reduce the amount you owe, they just keep the collectors off your back. Only making minimum payments will keep you in debt indefinitely. It's basically a penalty for owing them money. <u>Before exploring debt…
some random thoughts/ideas get rid of the 'extras' *text msg'ing/internet/media stuff on your cell phone *cable TV (NO IT IS NOT NEEDED! ) *downgrade your internet to a cheaper package/company or worse case, get rid of it if you have free access at university try buying cheaper generic brand stuffs(a lot of generic brands…