 The message and data rates may apply. You may receive up to four messages a month, and you may text STOP to stop. This message furnished by the National Association of Broadcasters. Sharnice is with us in New York. How can we help? I live, of course, in New York City. I'm 34 years old. I'm a social worker, and I have a son who's six years old, and I have $300,000 worth of debt. This is also including student loans.