
I filed Chapter 7 bankruptcy last year after about a decade of bad financial decisions. Earlier this year, I took out a small personal loan to help me get back on my feet. At the time, I thought I would be able to pay it off pretty easily.
After a rough few months, I’m now $3,300 in personal loan debt. I owe $1,800 at 380% APR and another $1,500 at 275% APR.









