 teaching credential and we're thinking we can make that happen without taking out any loans or debt so that's good news my partner made a bad car decision in his early 20s which shot his credit score he hasn't done anything to remedy it but he also doesn't have any debt okay i on the other hand have about ten thousand dollars in credit card debt we've been throwing money at it uh you know minimum payments everything extra that we can but obviously with interest we're not making any headway um we're both putting money towards it