conversation: User (throwaway10201510): "In just 2 years, I've ruined my credit. The how is not important at this point...but I'm 21 years old in New York and I've been struggling to find a job for some time. I have a total debt of $7,505 with a score of 570 according to creditwise, with about half being student loans and the other half being late/charged off cards. Honestly, I feel like I'm drowning. Can anyone give me some advice on how to pay all this back while I'm young before it damages my life any further?"
  Self: "Post your  itemized take home pay and your itemized expenses."
  