Credit Union and Debt Consolidation Loans

Credit Union and Debt Consolidation Loans

I'm kinda over my head with debt. I fell into a situation where I was supporting myself and my boyfriend while he finished school. Our finances are slowly improving, but I put myself into a bad debt situation because of it. I recently joined my local credit union and applied for a debt consolidation loan. My credit report, quite frankly, is a mess. How likely am I to be approved for this loan? I was considering sending a letter to the credit union explaining the situation further, do you think that would help? I have read all the pitfalls of debt consolidation, but I feel I'm really committed to this, cause the spectre of debt hanging over my head has kept me in a perpetual state of anxiety and depression. I'm determined to dig out of this hole.
New blooms

New blooms

I don’t know how I am going to deal with the cats

I don’t know how I am going to deal with the cats

Mystery Flower

Mystery Flower

Whazzat?

Whazzat?

New Place!

New Place!

whats the weed? and jack in the pulpit

whats the weed? and jack in the pulpit