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@calidan Thanks for the reply!

@hotboi2 Thanks so much for this comment. This was the clarity I was looking for. I’m already feeling more optimistic while putting some new plans in motion to help our situation. I will continue to reference this comment and a few others to help see us through. Thank you stranger 💜

@rgroves Agreed my friend. When I see what other people’s debt load looks like it reminds me that $20K is chump change and I stop stressing about it. But yeah these rates? Not ok. Definitely need to do some restructuring. Thanks. If you have any tips on a route to consolidation that’s not scammy...

Hi everyone, I [32M] would appreciate some advice on my current financial situation. I’m a freelance designer and web developer living in Los Angeles. I’ve been trying to ride out this economic downturn, but I would like to take more deliberate action to improve my situation. I’m including a...