Hi everyone. This isn’t something I would normally do, however I’m kind of getting desperate at this point.
In 2016, my dad lost his job. He got unemployment, but it wasn’t enough to sustain a family of seven in Pennsylvania. At that point, I took it upon myself to support the family with what little money I was making, and also by taking out 5 credit cards, all of which were quickly maxed. I was assured that once my parents got back on their feet, the money spent on these cards would be paid back. My family’s money situation proceeded to get worse as we were evicted and forced to relocate to an awful house that the city threatened to condemn multiple times, and my mom was diagnosed with lung cancer for the first time. She had surgery to remove the cancer and my dad found another job, and things were starting to improve, progress was made on paying down the cards… until my mom got sick again, and we were once again evicted, this time moving back to my childhood hometown in Illinois. The move cost a lot of money that we didn’t have, and I’m still stuck with the debt living on my own as my parents struggle to make ends meet with my dad working a lower-paying job and my mom disabled. For four years I have been told that as soon as they’re back on their feet, the money would be repaid. However, I have been making the payments on this debt every month without help because they simply cannot afford it.
This debt is impacting my life. My credit has suffered, and I am struggling to pay rent and maintain my car because of the monthly payments. I have next to nothing in savings, and am stuck in an unfortunate roommate situation because I can’t afford a place on my own, even though average rent for a one-bedroom apartment in my area is less than $500. I work part time (have been trying to get full time since November, but keep being denied and cannot find another position with comparable pay). Just paying the minimum payments isn’t going to get me anywhere, but as a broke college student, there isn’t much else I can do. I understand that this problem is completely of my own making and I never should have let it get this far, but what’s done is done and all I can do is try to fix it now. So, reluctantly, I’ve come to beg strangers on the internet for money.
Thank you for your time.