Steve Bucci bankrate.com Comments Dear Debt Adviser: I currently have around $30,000 in student loans. I am overwhelmed by this debt and have avoided making payments for quite some time. I get seven bills every month asking me to pay more than I make. My credit score is now ruined. How can I fix this situation? Is there any way to consolidate student loans and lower the payments? Jerry Dear Jerry: Ignoring your student loan debt is only making your bad situation worse. Now is the time to get those bills paid. And dont blame the loans for the damage to your credit score. Its damaged because you didnt make any payments. Its damaged because you didnt ask for a deferment. And bankruptcy...
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