You cant get rid of SL debt 99% of the time unless you pay it.
Your payment can be based on your income.
In some cases, your min payment may be $0 if income is low enough.
Open 2 secured credit cards with Discover and Cap One and wait 13 months to apply for anything else. After 13 months, apply for Discover and Cap One.
Check Merrick Bank for prequal each month in the mean time.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!10% Rotating - Discover 5%-20% - Amazon & Lowes 6% Groceries - Amex Preferred (DW)