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Last Updated: January 9, 2026

Unplanned expenses – doing all I can to reduce my credit card debt

I know times are hard for a lot of people right now.

After graduating college, I was so excited about starting my future. I moved back home with my parents, began my first job, and mapped out a financial plan to manage my student loans and start saving for what I was building toward. But over time, the role I was working toward at my job became a series of unmet promises, and stability never came my way. Staying ahead financially became harder and harder, the balances quickly grew beyond what I could manage. I soon understood the meaning of living paycheck to paycheck. While the debt of my student loans and the simple needs to get by continued to come my way, I continued facing more and more financial setbacks and unexpected expenses. As of now, almost 2 years later, I am still living at my parents home, doing all I can to dig myself out of the debt, and create a realistic path to my independence and stability.

I feel so incredibly anxious and weighed down by this financial stress that seems like it will never end. It constantly consumes me thinking about when I will be able to just get to 0 again.

I’m here looking for help to reduce my credit card debt so I can get back on stable footing. Any support would go directly toward paying off these balances and offer me some breathing room while I continue working, growing professionally, and create a real start for myself. Thanks for listening and for any support you may be able to provide.

http://paypal.me/colleenbuckingham

Filed Under: Student Loans Tagged With: USA

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