Olivia’s main concerns, in her own words: “I wasn’t a credit wizard in my early 20’s and early 30’s. It took a lot of hard knocks to show me the light. Now I have seen said light, and I need help to get my financial life on track. Through the follies and a few instances out of my control, I have a defaulted student loan that I make regular payments on (this is a somewhat long story), a 100% payment record on my credit report, and a lofty goal to save or borrow $30,000 in order to pay for IVF treatment in the next 5 months. No big deal right? I work for for a not-for-profit, drive for uber, and am doing everything humanely possible to pay down my debt quickly to raise my credit score in a somewhat reasonable amount of time. The student loan is the thing that kills me. I borrowed 24K which has now turned into 40K due to interest and penalties. I defaulted once due to my own stupidity. I rehabilitated the loan with the creditor assigned to my loan. I then set up automated payments for all future payments. One day I received a call that my loan had defaulted again, because I did not call in after 18 months to reaffirm the withdrawals from my account. As I have already rehabilitated I am lost at what I can do. This is the true anchor of what is keeping my credit score down, and possibly keeping me from funding my IVF treatment.”
Nicole is the Digital Marketing Assistant at Pete the Planner®. She produces the radio show, podcast, and TV show. Additionally, she runs all email campaigns, webinars, and client programming. Nicole can be found drinking a Kombucha wherever there is an outdoor music festival.