I'm really struggling with my debts.
I have a high interest loan and a couple do credit cards. I don't know why to do. It's eating up so much of my income which is just making me end up in a. Vicious circle.
I have thought fo a debt management plan, but I know it was remain on my records for 6 years. 6 whole years, I'll be nearly 40 by the time my credit can improve.
I'm already a single, I don't know what to do :(
Is there any consilidation means I can do without distroying my credit rating?