To Whom It May Concern,
My name is Justin, and I am humbly writing you to help me get out of credit card debt. Growing up less fortunate, I never had the financial fitness knowledge that most of my peers around me have had to properly manage finances. I moved out of my house to attend college when I was 17 to escape an abusive household, piling up lots of debt along the way. I graduated with a science degree in 5 years and am working on paying my student loans off as quickly as possibly. I am asking for your help as it is becoming increasing difficult to pay down my student loans quickly with this credit card debt weighing me down. I know what you’re thinking, why help someone who put themselves in this situation? I would think the same. I’m such a hardworking and prideful person, it is taking every ounce of my being to come online and randomly ask strangers for money. Having to deal with this debt has been weighing on me physically and emotionally, it is dragging down my credit score monthly. Preventing me from even thinking about making a move into a place that I can call my own. It is even hard to rent with a subpar credit score as many of you may know. I don’t come from a wealthy family, or even a healthy family. I had to learn the hard lessons of life on my own, without any guidance as no one in my family had gone to higher education. I don’t want you to feel bad for me, I’m just providing context to my background and how I ended up here. I finally want to get out of this hole to improve the quality of my life. I have dreams of building my own business in the food industry once I am in a position to move forward without credit card debt. I know what else you may be asking, how can we trust this guy not to come back on here in a few months or years asking the same thing? Trust me, I have learned the hard lessons of using credit cards without the capital to pay them off in time. Had I been in a position to do that, I would have. I have always done what I’ve needed to take care of myself in the immediate, though now it has affected my present and continues to affect my future. I am asking you all to help me get out of this hole. Much love.