Hi everyone, since the year of 2019 and then going into Covid I have struggled. I put myself into a predicament that I never should have, I got myself into these “installment loans” and at the time I didn’t understand what an “APR” was. I have been paying those loans since then. I struggle every day because of that. I have credit card debt and debt management debt that I need to get out of, everyday I turn around and my paycheck is gone. I work for a disabled adult foster home and it is a struggle for me some days to get to work. I have a seven year old daughter who I love dearly and want her to have what she wants and loves the most and I am also a full time online college student, I guess I could say my life is kind of going down the drain, it fills up for a little bit and then it all goes away. Anyway, with the losses I have had over the last three years I’ve finally come to the conclusion that I had to ask people for help. This is the last thing I wanted to do, as there are other people struggling out there.