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DISCLAIMER: I am not an expert or a financial advisor. I simply love talking about finances and want to share my journey to financial freedom and help others along the way!

Debt collector harassment can have a major impact on your life, causing stress and affecting your financial well-being. It’s important to take action to protect yourself and your rights. If you’re experiencing debt collector harassment, don’t hesitate to reach out for help.

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What is Debt Counselling?

Debt Counselling is the process where a debt counselor renegotiates your debt with your creditors to decrease monthly installment, interest rates and ensure none of your possessions gets repossessed.

It is nothing to be scared of and is a process that’s regulated by the National Credit Regulator.

If you feel like you have too much debt contact us and we will be glad to help.

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Debt is like a disease that can enable us from living a happy and normal life by taking control over our lives. Most of us don’t even know how we end up in the situation we are in. Buying every thing we own with credit has become our culture. But don’t let debt control your life any more. You can take over your life again. Imagine life with out debt!

Life Sciences | Gr12 | Mediation of Life Sciences Examination Guideline | FSDOE | FS IBP Online | 14062021

Spoiler free review of the second book in the Star wars Aftermath series, Life Debt, by Chuck Wendig

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Our experienced debt counsellors are always willing to lend an ear. The Debtbusters debt counselling team have impacted many lives through their expert debt management services , visit our website for your debt review today. http://www.debtbusters.co.za

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Education loans are meant to make life easier and more comfortable. But, for me, it backfired. It did the complete opposite of making life easier for me. It just sucked me into a black hole of debt and despair.
My name is Alexandra Blair and this is the story of how I incurred student loan amounting to $1M.
I was the eldest of three siblings raised in an affluent suburb west of Los Angeles. My father, who didn’t finish college, owned a small construction business. My mother, a college graduate, worked mostly as a secretary. I found my true calling while I was still a teenager. Being insecure over my crooked teeth and an irregular jaw line, paved a way towards orthodontics for me.
After high school, I completed my undergraduate degree at a reputed worldwide university in the United States. I paid for my college tuition with money from my parents and by waiting tables at the small, cozy café near the school’s campus.
My parents had helped in paying the college tuition for all of us, that is, for both of my younger siblings too. But, Graduate school wasn’t part of the deal because they were unable to afford it being middle class and all.
I met and married my husband while at the undergraduate school, and graduated debt-free from there. I picked the USC dental school for my higher studies because of its prestige and because I wanted to live closer to my parents. My husband had no problem with it and he was exploring the opportunities in his own start-up business.
The dental school’s financial-aid director estimated that the basic four-year program would require $400,000 to $450,000 in student debt, including interest. My husband and I concluded that dental school was a good investment, given the salary I expected to earn.
I was like, we could make this work. There are certain things that are okay to go into debt for: a house, an education, a car.
So, we packed up for California in the same spirit. I got a job at USC as an administrative assistant, which provided a tuition discount. Our calculations were partly based on low interest rates that the federal government had set for students at the time. In the 2004-2005 school year, the rate for college and graduate students was 2.77%.
The following school year, which was my first year at USC, rates jumped to 4.75% for my loans. Those turned out to be the cheapest of the 50 loans I needed to finance my education. Unlike consumer loans for cars or homes, college students typically take out multiple loans each year—often at different interest rates, depending on what is available.

Jedi Council’s Kristian Harloff gives his non-spoiler review of the new Star Wars novel ‘Life Debt (Aftermath)’ written by Chuck Wendig

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