. . . after debt problems had built up while I was at University. I'd heard that loans like these were a good idea and I was desperate for help.
I already owed money when I started at University. My father had died and I'd had to pay £500 towards his funeral. When my mother and I moved into a rented property, I also bought us some decorating materials and carpets for over £400 to help cheer us up. It wasn't just one-off costs that were the problem. I had been using my cards for day to day living expenses too, about £200 per month. Just before my course I took out my first consolidation loan from a high street lender to pay off all the cards.
I soon had to use my credit cards again for course fees and textbooks, which came to another £1,300. University meant my living costs increased as well. Travelling expenses, rent and a mobile phone came to around £400 per month.
Part time work helped a lot but then my hours were reduced. Things got so bad, I decided I had to leave University and take on full time employment so that I could pay off my debts. Then it became easier to borrow! I borrowed £3000 from an online financial institution for my M.S.C.E. computer course and was thinking about a new consolidation loan to try and lower my payments.
That's when I found Debt Free Direct. They talked everything through, including the option of a consolidation loan, and gave me a really effective way forward based on my own situation. For the first time in ages I feel back in control and confident that I'm going to be debt free.
