Cool low interest credit cards
As soon as you know you are having problems, call the company and start working out a deal. * Know exactly where you stand financially. Find out exactly how much you owe and who you owe it to, what your monthly income is, when you can expect your income to arrive, how much you must pay for other expenses and when you must pay, and based on that, exactly how much you can afford to pay to your student credit card lender. Educate yourself about which expenses need to be paid off first. When you state your case for the credit card agent, he or she will give far more weight to your statements if you have done the background work and can back them up.