I'm in school and I have credit card bills. I really need help.

Jump to Last Post 1-4 of 4 discussions (4 posts)
  1. profile image51
    mashiraposted 10 years ago

    I'm in school and I have credit card bills. I really need help.

  2. RachelLynn profile image60
    RachelLynnposted 10 years ago

    I'm a college student, as well.  With your credit card bills, you'll need to pay more than the minimum balance each bill.  The minimum balance only covers interest, not what you've actually bought.  Perhaps a part-time job would help you out.  And stop using your credit card for a while, use your checking account or cash, as you actually can monitor how much you spend better than you can with a credit card.  Stick with buying what's necessary, as well.  Instead of shopping for new shoes (when you already have some!), get groceries, or other necessary things.  If you buy the generic brands of things, you'll save more money as well, and the generic food tastes the same as the name-brand.  I hope this helps you out somehow.  I know it's worked for me.

  3. Brigitte Synesael profile image63
    Brigitte Synesaelposted 10 years ago


    I hesitate to give you this possible solution because I don't want you to think that the answer to paying off credit is to get more credit. You must understand that, especially being a student you have to be careful not to incur more debt than you can handle paying off.

    Interest rates on a credit card are typically 19-20%. You can go to your bank and see if you qualify for a Student Line of Credit. First of all, my knowledge comes from Canada. Things may be different in the United States, but I'm guessing they are similar. With a Student Line of Credit you only have to pay the interest owing for the years you are in school and for 1 year after you graduate. In addition to this, the interest rate is much lower. At the time of this answer prime is 2.25%, plus 1% means you would pay 3.25%. So on a balance of $5,000 your commitment to pay would be $13.54 per month. You can use your Student Line of Credit to pay off your credit card and have a much more comfortable payment. Then you have to promise me that you will also follow RachelLynn's advice and only use your credit card for absolute emergencies.

    Good luck and I hope this helps.

  4. zaffcommunication profile image54
    zaffcommunicationposted 9 years ago

    If you are looking for government Credit Card Help then you are lucky. Now you can get Credit Card Help  online. Many people are not aware that the U.S. government has actually provided any outstanding claims. But there is one small catch. You must be at least $ 10,000 in unsecured loans to credit cards help the state. This is a pre-determined amount, which is constantly at each company, which employs stimuli. Many Americans do not know the real reason to get a credit card government help because of the stimulus bill helped funnel tens of billions of dollars to our economy. Since this money has helped save the creditors were able to more loans to people who have started new accounts. The reason that many of these companies were on the brink of bankruptcy because of the amount of credit losses has been assumed that the average consumer has not paid.
    For more information please view my hub...


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://maven.io/company/pages/privacy

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
ClickscoThis is a data management platform studying reader behavior (Privacy Policy)