Crdit card debt management is designed to help everyone; but not everyone is willing or interested in what is offered. Some people are even intimidated by financial issues, including credit card debt management. Any agency or financial institution that offers credit card debt management assistance will work with your personal financial situation. These agencies or financial institutions offer a number of services, from advice to guidelines; some financial institutions or debt management agencies will, for a small fee, help you pay your existing debts. However, no agency or financial institution can help you with your credit card debt management and other financial obligations; if you don’t strictly follow their advice and guidelines as they have designed specifically for your financial needs. Most of these guidelines are generally related to how you can to control your spending and being content with what you have.

Credit card debt management consultants or other financial institution professionals specialized in debt management, are designed for those who struggle with financial issues. Those who do not struggle with financial issues will employ the assistance of these consultants or financial institutions for advice and guidance on the best way to invest their money. Occasionally, these people will hire professionals in financial institutions or financial assistance agencies to pay their debts for a nominal fee.

Due to the knowledge these professionals carry in this field. Whether you are very familiar or illiterate to the financial topics, professionals in these fields can be very helpful and assist you in being financially productive. What can a professional in the field of credit card debt management and financial asssistance agencies offer? First of all, they are familiar with tips and tricks on debt management that you can’t learn about overnight or read about in financial publications. This type of information is something these professionals have to learn through years of training and continue to learn troughout the course of their career. Second, these professionals can save you time because they are familiar with all the latest promotions and offers on the market that is currently available. Third, they can help you get a great deal that will more than balance out the fee for services rendered.

Before you select a credit card debt management agency or financial institution, be sure to check their credentials and years of establishment. Remember, you are entrusting your finances to these professionals; you want someone you can trust. Word of mouth is a great way to locate a good agency, references build trust. Check with business acquaintances, family or friends to get a lead on a good credit card debt management consultant.

Abhishek Agarwal
http://www.articlesbase.com/credit-articles/credit-card-debt-how-to-overcome-it-703419.html

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Credit card debt can easily get out of control. If we don’t clear the balance every month then the interest quickly mounts up until the debt is completely out of proportion to the original one.

Credit card companies rely on our inertia to make money out of us. The minimum payment never clears the debt completely and we end up paying interest and interest on the interest.

The pressure to use a credit card is enormous. There are always those extra purchases that we just have to have. It doesn’t take many such decisions to build up a big debt. If we then ignore that debt it quickly becomes a massive and unmanagable debt burden.

For a time we attempt to deal with it by switching credit cards and using the interest free period. But that is fool’s paradise. We seldom clear the debt in the interest free period unless our spending habits change drastically.

Eventually we come to the end of the line. Some people are facing bankruptcy before they recognise the problem and seek help.

The best thing is not to let it get so bad. Seek help early and the problem can be resolved.

What you need to do is talk to a credit counseling service. This is the responsible thing to do. A good counseling service can sort out your credit card debt problem. the surprising thing is that so many people are willing to go to a counseling service for personal problems but not when they have problems with credit. It is big taboo subject. We feel our competence is being called into question.

There is no need to look at it that way. Credit card debt is a common problem and it can be solved.

A good consumer credit counseling service can negotiate with the credit card company on your behalf. They will get the company to agree to a program of payments that you can afford. This is not a legal agreement but it is best to get it in writing. The credit card company only accepts it because it is better than having you default completely. You accept it because it is better than losing any hope of repairing your credit score in the future.

Not all consumer credit counseling services draw up these plans as thoroughly as they might. Some of them may try to get you to agree to payments that are too high. You must make sure that they intend to take your circumstances into account. On your part you have to be completely open with them. Come clean about all your credit cards.

It is also important to establish what fees they charge. Some charge a percentage and some charge a flat rate fee. The choice is yours but make sure you know how much to expect.

Abhishek Agarwal
http://www.articlesbase.com/credit-articles/your-credit-card-debt-seeking-professional-help-to-clear-your-debts-703503.html

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Here are some numbers:
Current Unemployment Rate: 9.5%

http://data.bls.gov/PDQ/servlet/SurveyOutputServlet?data_tool=latest_numbers&series_id=LNS14000000

Jobless Claims: 37,000 + increase

http://www.reuters.com/article/idUSTRE66L26I20100722

Home Foreclosures are up

http://www.housingwire.com/2010/07/16/bofa-nonperforming-loans-foreclosures-up-15-from-a-year-ago

“U.S. fiscal policy is unsustainable, and unsustainable to an extent that it can’t be solved through minor changes,” Congressional Budget Office (CBO) Director Douglas Elmendorf told reporters at a Christian Science Monitor breakfast.

“Unless we as a nation demonstrate a strong commitment to fiscal responsibility, in the longer run we will have neither financial stability nor healthy economic growth,” Bernanke said in a speech, regarding the Budget.

http://thehill.com/blogs/on-the-money/budget/91161-congressional-budget-office-fiscal-policy-is-unsustainable

Here are some quick notes on the Obama budget.

* 2008 Deficit was $454.8 Billion. It was the largest deficit in Bush Admin.
* 2009 Deficit is $1.41 Trillion. That is a 210% increase from 2008.
* CBO predicts president’s budget to lead to $1.5 Trillion deficit in 2010 and $1.36 Trillion in 2011.
* CBO Baseline Predicts deficit for 2010 to be $1.35 Trillion and $995 Billion in 2011.
* Under President’s budget, we will not see a single deficit under $700 Billion – ever. Under Baseline, we will never see a deficit under $400 Billion.
* Under President’s Budget, the deficit in 2020 will be $1.2 Trillion. More than $9 Trillion added to national debt, over next decade.
* Baseline CBO prediction says deficit in 2020 will be $683 Billion and more than $5.9 Trillion added to national debt in next decade.
* In 2008, the deficit was 3.2% of the GDP. The deficit is now 9.9% of the GDP.
* President’s budget will lead to deficit being more than 10% of GDP in 2010 and 8% of the GDP in 2011.
* Baseline CBO prediction says deficit will be 9.3% of GDP in 2010 and 6.6% of GDP in 2011

SOURCES:

CBO Historical Tables http://www.cbo.gov/ftpdocs/100xx/doc10014/March2009_HistoricalTables.pdf

CBO President’s Budget and Tables/Baseline Predictions http://www.cbo.gov/ftpdocs/112xx/doc11231/03-05-apb.pdf
I see tax hikes in 2011, leading to a double-dip recession. Bush Tax Cuts are expiring, Obama Care has tax hikes in it, and deficit spending is unsustainable. Not to mention our economy is already weak.
I can’t give my entire opinion on here, so if you’re interested, just go to: http://albertsamerica.wordpress.com/2010/05/18/economic-outlook-2010-and-beyond/

Real unemployment now stands at 18.2% which is up from 17.4% in January and down from 19.2% in May. Consequently the unemployment rate has virtually remained unchanged with the exception of the rise of .8% over January. To take the Dept of Labor adjusted figures that do not count those who have exhausted their unemployment fund is forgetting nearly 10% of our unemployed.
Our national debt now stands at $13.2 Trillion, our federal budget deficit stands at $1.4 Trillion, bankruptcies in 2010 alone, 1.4Million, foreclosures over 972K (2010), unfunded liabilities are $ 109.7 Trillion and our GDP is 91.5%.
There are those who will compare the GDP to previous administrations, but that was to fund a war which once paid for ends that expense. Our spending today is on never ending entitlement systems that have no final payment, but keep accruing debt year after year.
With all of the applied data, unless there is a serious change in tax and spend policy, there will not be a double dip recession, but an extremely serious depression. To make matters worse, the world economies are so closely tied that if we go we will take the rest down with us into a world wide depression. All of the projections by the CBO are dependent on the business structure remaining at least stable in the next two years, but too many small businesses are already near failure with more to follow. If they fail (they, collectively, are the largest employer in the US), the projections from the CBO will be rendered useless. The insurance costs of health care taxes and cap and trade if passed will push many of them over the edge to bankruptcy.
This economy will not improve for quite some time unless Washington relieves business of the undue burdens placed on them by excessive taxes and regulation.
2011 at best will be a repeat of 2010, but likely worse which may lead into depression as early as 2012.

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sooo… i got into washu also- but they didn’t give me much so i can’t afford it :/
i need help choosing. i’m stuck…
as for vanderbilt 2/3 tuition scholarship
as for notre dame 2/3 tuition scholarship
as for university of pittsburgh full tuition scholarship

however money is the least important. i’m willing to go in debt. the money factor affects my parents the most which is why i can’t go to washu. my parents are well off btw so all my financial aid are basically scholarships, need based aid: zilch. and it’ll be too much debt before med school

i plan to go to premeds. major in neuroscience?? and economics. minor in spanish/chinese

from what i have heard, notre dame’s pre meds program is better than vandy’s even though notre dame has no med school. however vandy’s med center is excellent. yet pittsburgh is better in research than vanderbilt. and pittsburgh med school is better(well at least ranked higher) than vanderbilt. if i go to pittsburgh i’m guaranteed to be accepted to their med school.

location: vanderbilt for me is best. it’s warmer there and it’s in music city after all
pittsburgh is nice and it’ll be somewhere new for me.
notre dame…eh…not so great…it’s even colder and indiana is like desolate…at least that’s what i feel like

campus: vandy’s campus is beautiful but so is notre dame. idk about pittsburgh though

dorms: vandy’s dorms are really nice. but pittsburgh is the best. idk about notre dame’s

food: can’t really compare cuz i’ve only had food at vandy which is really good

comfort: i feel very happy at vandy but i haven’t been to notredame or pitts which i’m going to visit this week.

problems: vandy: greek societies, alcohol, lots of frat parties, i heard it’s very preppy too (not that it’s a bad thing…it might be hard for me to fit in)
notre dame: even a bigger party school apparently, catholic (i’m not christian), i feel it’ll be hard for me to fit in
pittsburgh; i haven’t heard of any partying much there but the students there are less motivated academically and i want to surround myself with students who are academically motivated as well as fun

the people: vanderbilt: preppy, rich, snobby?? i dont believe that’s true but that’s what i heard
notre dame: catholics, extremely religious, obsessed with sports (im not that into it),
pittsburgh: idk

i know that it does not matter which school i go to for pre meds but i want to go to a good school.
washu was the top on my list because their med program is amazing but cost is the issue

so i’m stuck between these three. they are all good schools with their pros/cons but i can’t decide X(
vanderbilt i feel is the one for me but it’s also the most expensive.
btw. money is not the problem. right now. i can go to any of them without financial problems. so please no choices based on cost only thanks though

if its any help at all i would go with the pittsburgh for the full tuition scholarship

Eliminating credit card debt can be easily achievable in a relatively short period of time, its all depends on the amount of debt one happens to be in.  Eliminating you credit card debt can be approached in tow different ways you can approach the situation on your own or you can use the services of an organosation that specialises on eliminating credit card debts.learn more.

Here are some pointers on how you can eliminate your credit card debt on your own

Eliminating credit card is generally not easy, you will be required to make increadible amounts of sacrifices. First you will need to change your spending habits. Reduse your monthly expenses, regulate the amount of money you spend on exess, this include expensive new clothes and jewelry, in simple terms, don’t spend money on things you really can’t afford. Eliminating credit card debt on the technical side of it, to begin with, if you have a high interest credit card, it might be more wiser for you to transfer the remaining balance to a low interest credit card or even better stop using your credit card alltogether.

How to eliminate credit card debt with the help on specialised organisations:keep reading.

There are organisations that can help you eliminate your credit card debt, the mediate on your behalf with your debtor. There are two options here there are non profit Debt Relief organisations and profit organisations.

Non profit debt relief organisations can help you in redusing your credit card debt, by providing credit counselling and may even go ahead and negotiate with your debtors to lower interest charges and payments. but that’s all they can do for you. On the other hand profit organisations are going to not only help you eliminate your credit crad debts but also lower your monthly bills. They also help you by giving you advice plus geting loans to consolidate your debt.

When searching for companies which are supposed to help you eliminate you credit card d, keep an eye out for any suspicious questions you are asked. The questions you should answer are about your creditor’s names, balances, and interest rates.

Find out more on how you can eliminate your credit card debts.

Dennis Hennry
http://www.articlesbase.com/credit-articles/how-to-eliminate-credit-card-debt-696130.html

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Walking around with cash in your pockets nowadays is very risky and no one can argue with that. That’s why we should thank the person that invented credit cards because these little pieces of plastic make our life easier.

You can use them to buy anything you want as long as you can pay your debts month by month. It’s not recommended to skip a month because doing that will drag along heavy interest and sleepless nights.

In order to avoid this unpleasant situation you should limit your spending as much as possible. In times of trouble you’ll see that credit card consolidation services are in fact the answer to your financial problems. That means that you can obtain a credit card debt consolidation loan and low interest rates.

By paying low interest rates, you’ll be able to save some money monthly; your amount dues will be paid in time not to mention that you’ll be more confident and relaxed.

Using credit card debt consolidation services, you’ll benefit from great credit card debt consolidation programs and you’ll forget all about your debt problems.

This will involve no additional money because some of these services are free while others are offered by some non-profit firms. Their single objective is to help you pay off a credit card loans in a manner that will be satisfactory for both parties and that’s why you have to be confident that you’ll be receiving the best advices and guidance.

The market hosts a large number of credit card debt consolidation companies and choosing the right one is entirely up to you. Before making any decision you should do some research and take into consideration a few important details. You can log onto the internet to check for more information.

Many companies provide free guidance and services and will help you build a steady bright future. Accessing these services is very easy and thanks to them you’ll be able to save your financial status from bankruptcy. Asking them to help you means only that you’ll be doing yourself a big favour.

You should check out the Debt Consolidation World for more information. This is a well-known online informational resource center that will teach you all there is to know about debt consolidation. Once you’re done reading you should trust a credit card debt consolidation service and ease up your life.

Ricky Lim
http://www.articlesbase.com/credit-articles/credit-card-debt-consolidation-service-why-should-you-consolidate-your-credit-card-debt-688123.html

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I grew up in a conservative family, I’m still very socially conservative since I am Christian. I generally vote for republican candidates (those that don’t support abortion) but fiscally/economically I’m confused ever since the economy tanked.

Basically I’m anti big spending/ racking up debt, I’m for capitalism and free market because of the fact it creates competition and innovation and fast progress in technology which is always needed.

However after following the news of various sources (even fox news) it’s clear that greed and corruption in wall st. was a huge part of this mess. I am very anti-greed and corruption and hate it when I see it in businesses and services I use everyday. I hate being nickled and dimed especially as a college student on a less than $1000 budget despite working and selling what I can for income.

Basically I just recently read about the recent Financial Reform that was passed and I am clearly for it. I support free market and capitalism but believe that for it to be most effective there needs to be some kind of oversight and transparency to prevent greed and corruption from Big Business that got us into this mess.

I am for Businesses that are ethical if that makes sense. I hope to start a Business someday time permitting. But I am not for Big Business controlling everything.

I don’t think money is the root of all evil but I don’t love money either, I believe it’s a necessary evil.

Basically I’m anti Big Government and Big Business since both are subject to corruption.

I think the best way is a mixture of both, meaning capitalism and free market free to do its thing with sufficient oversight and laws to follow to prevent what happened.

With this views, should I just consider myself a moderate or independent and stay away from politics or am I still a Republican?
@emp: exactly which is why except for this financial reform package I don’t support this current administration and obama. I didn’t vote for obama.

With the health care I am undecided since I don’t know enough about it. I do know I’m glad I can be on my parents plan until 26 since I’m 22 now and can’t afford my own health care until I graduate later next year.
@ruth, that is why I am confused, I want there to be job creation but without some kind of new laws to prevent corruption this economic disaster could happen again someday.

Look, only an idiot decides they’re republican or democrat instead of picking pieces of each platform that they like. The point is to be informed in the issues and rounded as a person, you don’t need to say you support either party if you can honestly say you don’t practice ignorance.

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Credit card debt generally increases with the income of debtors. However, about four percent of chapter 7 debtors report no income at the time of filing. Credit card debt in the United States is rapidly approaching the $700 billion mark. This figure has led an estimated nine million Americans to seek the assistance of credit counseling agencies. Credit card debt in the US has reached a record high of nearly $1 trillion, averaging $9,840 per household. With the economy slowing, costs of daily living and unemployment rising, growing numbers of cardholders are unable to keep up with their payments and are being taken advantage of by an industry with few regulations and little oversight.

Creditors allow different types of arrangements under debt repayment plans. Some may reduce the interest you pay until the loan is paid off.

Credit card debt has increased at a higher rate than low to no interest overdrafts. Credit card debt consolidation can do wonders if done ahead of time. Being able to identify early on the problem with your spending that is getting out of control and recognizing the need to do something about it is a good first step. Credit card debt is a major issue in a substantial percentage of consumer bankruptcies. Nearly 90 percent of the cases had at least some debt listed, and it accounted for 42.8 percent of the total general unsecured debt in our sample cases. Credit card debt settlement is a Americas other’ auto industry – Christian Science Monitor technique used by people who are up to their ears in credit card debt and see no way of paying it off. You must understand the procedures available to these citizens stuck credit card debt settlement in consumer debt? Credit card debt consolidation will help you consolidate all your debts on your various credit cards, into a single credit card. This saves you the hassle of first, keeping track of the bills from these various companies, and then paying to these different credit card companies. Credit Card Debt: A credit card is a great tool for people who manage their money but dont want to carry it around. You can use someone elses money interest-free for a month, enough time to get the bill and pay it off.

Bad news for the credit card companies may be better news for us. There are signs at both companies that consumers may be responding to higher rates by doing something almost completely unexpected and practically un-American: paying down credit card debt. Bad Debt is everything else — from your titanium credit card to the 35% loan from Larrys Kwik Kash.

Consumer Credit Counseling Service of Atlanta is a nonprofit, community service agency dedicated to empowering people to achieve a lifetime of economic freedom. CCCS Atlanta provides free, confidential budget counseling, community and personal money management education, debt management programs, and comprehensive housing counseling. Consumer credit could be the next “aftershock” of this financial crisis, says Jason Simpkins. Banks have suffered big losses on mortgages, and are now looking to reduce their exposure to credit card debt. Consumer credit and mortgage debt represent a higher percentage of disposable income than ever before. Household debt as a percentage of assets reached the historic high of 22.6 percent in the first quarter of 2003. Consumer discussion on blogs took 800 credit card debts off after Phelps? Consumers like Mathias-Lamb are increasingly finding themselves forced to deal with higher interest rates and other fees as credit card companies respond to the fact that consumer debt is climbing, along with delinquency rates. In January, average debt on credit accounts and fixed-payment accounts such as auto loans climbed to $16,600, up from $15,500 last April, according to the credit reporting agency Experian. Consumerism Commentary is not compensated for any content, except for advertising sold.

Advisors also say that there is a guaranteed investment opportunity. An easy way to earn 18% or better is to get rid of credit card debts as soon as possible. Adds William Black, senior vice-president of Moodys Investors Services structured finance team: “We still haven’t hit the post-recessionary peaks [in credit-card losses], so things will get worse before they get better.”What’s more, the U.S. Treasury Dept. s $700 billion mortgage bailout won’t be a lifeline for credit-card issuers.

Consolidating your debt is perhaps the fastest, safest and best way today to get rid of your financial obligations and we are experts in this field. Fill our free membership form to view all the alternatives. Consolidation isn’t the only step though. You also have to find ways to reduce expenses or increase your income.

Yes, consumer spending is dropping, but some economists think that is a function of confidence, not credit. Yes, banks and other lenders do appear to be stuck with loans they dont want, some of which will go bad, but so far it doesnt seem like they are pulling back credit from consumers. Yeah, thats mine. When things got tight last summer — checks werent coming in on time, I wasnt getting enough work as a freelancer — I knew leaning on my credit cards was a bad idea. Yet credit cards continue to be pushed by lenders. Some estimate that over 6 billion mailings are sent by credit card issuers to U.S. Yet politically this issue isn’t even on the radar screen.

Instead, you can get counseled regarding all of your debt. You can do this by looking for a debt counselor instead of a credit card counselor – but make sure that you are still looking for a non-profit company. Instead they receive a pamphlet suggesting nine credit card offers for which they may or may not be qualified.

Student Platinum provides you with reliable student credit card information, debt management advice and quality student credit card applications. Student credit card debt is at an all-time high. Recent studies show that seventy-six percent of all college undergraduates have at least one charge account with an average balance of over two thousand dollars. Student loans, credit cards, car payments, rent-sometimes it seems like the whole systems conspiring to keep you broke.

Call your credit card issuers and try to transfer all of your balances to the card with the lowest interest rate. If this isnt possible, make minimum payments on the cards with the lowest rates and pay as much as possible on the highest interest cards until they are paid off. get a free consultation here

RS Martin
http://www.articlesbase.com/debt-consolidation-articles/credit-card-debt-where-do-you-go-709672.html

Unfortunately, with the downturn in the U.S. economy, credit card debt problems have become one of the biggest challenges facing Christians and their families as they strive to have a healthy financial future. Credit card debt is crippling not just Christians, but all Americans, regardless of faith or race or gender. The good news is that there are Christian debt relief solutions available that can help resolve this credit card debt predicament. Christian credit card settlement and Christian consumer credit counseling may be viable options that allow Christians to avoid filing bankruptcy yet still give the hope of a debt free future. There are three primary methods of resolving credit card debt and other unsecured debt problems. The most important step is to get started and begin your research of the different solutions. A debt free future is within your grasp, if you make a plan, and commit yourself to improving your financial situation.

<b><u>Debt Consolidation Loans</b></u> – Debt consolidation loans are one of the first Christian debt relief solutions that come to mind when it is time to resolve credit card debt issues and build a better financial future. The “catch” with <a href=”http://www.christiandebtconsolidation.net/DebtConsolidation.htm”>debt consolidation loans</a> is that they almost always will need to be secured with collateral in order to qualify for the loan at a favorable interest rate. And the collateral will undoubtedly be your home. This conversion of unsecured debts to “secured debts” can be a risky path to start down. If you are already experiencing an unsecured debt problem, and it occurred because of some unforeseen circumstances like extended job loss or family illness, then you realize there is a chance something similar could happen again. If you find yourself in a similar financial crisis and cannot make your payments, the reality is that you could lose your home. The advantages are a single monthly payment at an interest rate that most definitely will be far less than you currently pay your credit cards, and a more rapid elimination of your debt problem than just continuing to make the monthly payments to your creditors.

<b><u>Christian Credit Card Settlement</b></u> – Less well known but becoming a more attractive form of Christian Debt Relief is Christian credit card settlement. Debt settlement is a debt reduction solution involving the negotiating of creditor balances down to a mutually agreed upon “reduced amount” that is considered payment in full by the creditor. Christian credit card settlement companies are for profit entities, and perform this negotiation directly with the contracted creditors on your behalf. Christian debt settlement is gaining in its popularity because it is certainly a feasible alternative to bankruptcy since the creditor receives a reduced offer they find acceptable, and do not go away with nothing. Christian debt settlement is also a fast way of reducing credit card and unsecured debt problems. Christian credit card settlement companies do provide complimentary consultations to review the specifics of their program, and there is no obligation for the free consultation.

<b><u>Christian Consumer Credit Counseling</b></u> – More familiar and also a viable Christian debt relief solution to investigate is Christian consumer credit counseling. Christian consumer credit counseling agencies are non profit organizations that will assist Christians with a detailed analysis of their financial situation. If a certified credit counselor feels that a credit card debt problem cannot be solved with basic changes in spending and budgeting, they will recommend a debt management plan. The debt management (repayment) plan is designed to pay the creditors in full for the current balances due, and then any interest charges that continue to accrue on those accounts. Christian consumer credit counseling agencies will negotiate interest rates down with each individual creditor, and can sometimes get the interest to stop altogether. A single monthly payment is part of the credit counseling repayment plan with the agency distributing this payment to the assorted creditors in your plan. The consultation process is free and without obligation.

If your goal is a healthy financial future, and you are currently struggling with credit card debt and other financial problems, then the first step is to assess where you currently stand financially. Next, begin the important research of possible Christian debt relief solutions that are available, including Christian credit card settlement and Christian consumer credit counseling. Being proactive before “things get any worse” is critical to achieving your financial goals. If things are already extremely serious, there is still hope but time is of the essence. Make a plan and commit to taking action immediately. Keep in mind that you are not alone in your financial struggles.

Mansi Gupta
http://www.articlesbase.com/advertising-articles/christian-debt-relief-what-are-your-options-679759.html

I posted a question about the adoption of newborns a few days ago. I indicated that I am going to put my baby up for adoption when he/she is born and a lot of people got really mad. They acted like its what I wanted to do, like I was a horrible person. The thing is, I do want to keep my baby. I always did. The first week I knew I was pregnant I made an appointment with a Ob-gyn. I told my gyno I was considering adoption (my bf wanted me to since I wouldn’t abort) and she told me of a Christian, financially stable family who she knew personally. They were desperate for a child. I told her that I would consider it. By the next week she told me how excited the family was. They had called her a day before my appointment because they just couldn’t wait to see if my baby had a heartbeat and wanted to know if I was still considering it. I said yes. Now I feel obligated to do this. I don’t know how I could keep it. Im a student and $18,000 in debt because of my student loans. If I don’t go back to school soon Im going to have to start paying it back without a degree. Compile this with the problem that my family is not supportive, nor is the baby’s dad. I need to stay on my dad’s insurance so that the birth of this baby is paid for (yes his insurance covers this) but because Im a dependent on him, I don’t qualify for financial aid. Sure I can work, but when the baby comes I’d have to pay for daycare while Im at work, which isn’t covered by any minimum wage job. My parents took away everything, my apartment, my car, and all help. This is why Im choosing adoption. Everyone seemed to hate me for it but what am I supposed to do? Im living with my bf in an apartment that Im not even supposed to be in because Im not on the lease. Im 800 miles away from my family and they hate me anyway. This potential adoptive family is so excited. They even told me their names. I think it would be cruel to keep my baby. How would I be able to keep this baby? You all seem to think Im making the wrong decision so any ideas? Ive applied for so many jobs down here, but without a degree nothing seems to pay enough.
Thanks for all the answers. I will be changing doctors and my number. I didnt realize she violated any rule, the way I saw it I assumed she was just trying to help but now I feel uncomfotable even going for regular check ups at her office. I just want out of this mess now. I want to keep my baby and Im thinking about going to my BFs parents for help. Thanks so much for all the advice. I had no idea of all the aid available. As for best answer, they are almost all good. Im going to let you guys vote that out. Please vote fairly and not just for your own unless yours is honestly the best. THANK YOU ALL.

Some thoughts:

–You doctor should be reported to the AMA for violating HIPPA regulations. You also need a new doctor asap.

–Time to declare independence from mom & dad. Being on their insurance is costing you $. You ought to get on Medicaid and WIC asap. If thousands of immigrants do this daily, why not you? Our neighbors to the South don’t give up kids—why should we? Then your medical will be paid for and you’ll qualify for financial aid instead of those loans.

–Doesn’t matter what the boyfriend wants—he’s on the hook. You need to call your parents (and his) and let them know that you will be keeping their grandchild and you could use all the help you could get. If they don’t help, tell them you’ll be calling other relatives and friends to ask for help. I think it’s pretty disgusting that your parents write you off on their taxes (that’s why you can’t get aid) but refuse to help.

–There are places where you can work AND get free daycare—preschools, universities.

Once you put your mind to doing the right thing—opportunities will fall into place. Luck meets ACTION and resolve and you and your child will be just fine.

These “Christians” need to take a hike. If you decide to raise your own child, just tell them to stop harassing you. To them your child is just a baby—they’ll get another. This baby is NOT replaceable to you.

Trust me, I have a mother (whom I’ve been reunited with for over 20 years) who has never gotten over losing her only child—me. You’ll get a college degree eventually. Might take a year or two longer, but it will certainly be a hollow victory if your beautiful baby is being raised by strangers.

I so wish I had been raised by my own Mama.