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RSLahnum

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One of the car loans is supposed to be in my wife's name, and student loan debt of $96,000 is hard
I got an Associates Degree from ITT Tech back in 2009 in Computer Electronic Engineering Technology and have never been able to use that degree at all. Now im in debt so bad that my credit will never be the same.

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Hi RSLahnum! There are definitely ways to improve your credit so don't think it can't be done. What is your student loan interest rate right now? You might be able to refinance that. 

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One of the lousy things about student loan debt (at least for now) is that it remains collectable until paid in full, no matter how long it takes.  Try not to let it go ionto default, and check into possible income related payments.

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