credit counseling or consolidate debt?

hi im impoverished as substantially as a full time student, i commonly cant hit a lowercase payments in my label as substantially as a others i commonly means a smallest payments, i requirement to do something im commonly twenty-five as substantially as a highlight is creation it tough to combine it school, greatfully help! im not destined what is most pertinent connect or attain ingest of a credit advisor i unequivocally dont even know disproportion in between them. greatfully assistance thanks

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