OK, here's my story...  My name is Ashley and I'm a 23 year old single mom.  I have three children... 5 years, 14 months, and 2 months.  My childrens father just took off about 8 months ago leaving me to care for my kids on my own.  I am a certified massage therapist but was currently unemployed due to pregnancy.  Once their father ran off I was left with alot of responsibilities and a whole lot of bills.  I started to use my credit cards to get by and it didn't take long for me to get in over my head.  Late payments, finance charges... my credit was quickly deteriorating.  I now have a job... lots of bills and rotten credit.  I just can't seem to get caught back up...  I would love to see all my bills vanish and make just one payment a month.  That would be Great!!
Currently I am averaging about $1200 a month and that includes child support I receive. 

My Monthly Expenses:
Rent: $260
Electric: $86
Phone: $27
Gas: $120
Credit Cards (at minimum): $290
Misc (Diapers, Clothes, School Supplies) $300.00
Total Monthly Bills= $1083.00

I pay about $290 a month in credit card bills and all I'm really paying off are my finance charges.  I'm hoping to get a loan, pay off my debts, save $$$ and stay DEBT FREE!!

*Note: My debt to income ration is so high because I took out a $12,000 student loan for Massage School that my mother took responsibility for paying back. 

Thank You very much for you Consideration!!