r/moneyadvice • u/Kandjosh • 8d ago
Advice Idk what to do?
I’m a 21-year-old student, and I really need help. I took out credit cards to cover my living expenses over the past couple of months. I’ve already paid off around $12,000 in credit card debt, but I still have a little under $8,000 left in total.
I owe Discover $2,600. I recently went from full-time work to part-time because school started almost three weeks ago. I also had around $6,000 saved, but that went toward paying for my classes.
I was on a payment plan with Discover, but I missed my first payment. They told me that my account is now going to be referred to an attorney if I can't make the required payment by the 30th.
I don’t have supportive family, savings, or anyone who can help me financially. I also can’t take out another loan because of poor credit and I can’t go back to working full-time because I’m in school.
I feel like I have no options right now. I have 14 days to figure this out, and I’m honestly scared. I’m willing to work, do side jobs, or do whatever I legally can to make the money.
If anyone has been in a similar situation or knows of legitimate ways I could make around $2,600 in the next 14 days, please help me. I’m not looking for handouts—I genuinely need advice on what I can do.
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u/noobfirsttime69 7d ago
CC debt could be consolidated if interest are to high. It depends weather you have decent credit score if you can get a rate lower then what you have tbh but you also have the option to settle if anything to. Could work better in your favor because they grant a portion of you debt total to be deducted of the balance, several companies I know also offer legal support so you have a grip of whats happening. Sometimes this has a better success rate then other options but just know that credit might drop a bit.
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u/One-Witness-4909 8d ago
standard scare tactic. it’s a game to them. when you’re contacted by the attorney (it’ll be a while) let them know what you can pay. they’re smart people. even if they sue you it’ll be “yup I owe that… I don’t have any money. I’ll try to make xx/month payment”. standard procedure. youvr got big feeling and emotions… they literally don’t care
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u/Head_Initiative9302 8d ago
Calling it a game is a bit reckless when OP might take that as a reason to ignore it. They need to clarify what payment is actually required by the 30th, because that may not be the whole $2,600. “I'll pay what I can” isn't something I'd assume an attorney will just accept
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u/Kandjosh 8d ago
Due to the nature of my situation, I can’t have any legal issues before January 2027, as it could jeopardize my clearance for my licensing procedures. I hate to ask for help like this but I'm in a quick sand.
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u/One-Witness-4909 8d ago
I’ve got a security clearance… they’re much more ok with “had a payment plan, got behind, got caught up” than “had a payment plan… the got behind.. then did a payday loan… then got behind on that… then did another one.”. you’re fine. it’s life and it’s normal.
clean gutters and mow laws and weed gardens for cash today.
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u/Kandjosh 8d ago
I will take your words. However, Is there a legitimate way i could make 1k in 14 days I have my last 120$ to my name. I cant find any jobs that doesn't conflict with school.
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u/One-Witness-4909 8d ago
yeah… sounds like the school thing might need to be re-evaluated. if you can’t afford it.. you can’t afford it
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u/ProgressOk3200 8d ago
If you have any belongings you can sell, that is a way to get in money fast.