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After Years of College and Federal and Private Student Loans, I Just Can’t Make It

Question: Dear Steve, So, I had both private and Federal loans for my 4 years of college. I didn’t get a job right out of school, it took a few months and then when I did get a job it was a tiny amount. I struggled financially for a while, and then when it came …

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We Can Just Make Our Minimum Payments and Have Good Credit But Need Help. – Becky

“Dear Steve, My husband and I are in our late 30’s with 2 sons. We have $22k in debt, $10k personal loan and $12k credit cards. We make the minimum payments each month as that is all we can do and our credit scores are above 750. I look at all of the snowball theories …

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I’ve Been Using Credit Cards to Help Make Ends Meet. Robbing Peter to Pay Paul. – Esperanza

“Dear Steve, My monthly income after taxes is 1,700. Mortgage payment is 928( It includes insurance and taxes. It is not enough to cover my expenses, I don’t, eat out. No movies. Home to work, No cable. Only internet. The equity in the house is 24,000. If I sell it I can get 15,000. Renting …

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Husband Laid Off and We Are Barely Making It. What Now? – Meredith

“Dear Steve, My husband got laid off from his job in November 2009 and has not found employment since and everything has fallen on me. We rent our apartment for the last 12 years and the monthly rent is $885.00. We have about $115,00.00 in debt. It is a mixture of Student Loans, Taxes, Credit …

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We Make 150K But Living Paycheck to Paycheck. What Should We Do? – Roy

“Dear Steve, My wife and I are in our mid 50s living in suburban NY. Our kids are in college. Combined, our income is $150,000. While this is considered to be good money, it just doesn’t seem to be enough to cover our needs and save for the future during the years that we should …

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