Hi,

I'm a single mom of one young adult daughter with mental retardation, two sons 16 and 11.  My 11 year old also is a child with mentatl retardation, both due to a hereditary condition called FragileX Syndrome. 

 Presently I have been searching the web for agencies that could help consolidate my debts, but I've read some not so good things about Consolidation debt/settlement, so that means I have to rely on myself.  I am looking for a loan to pay off my debts in order to increase my credit score and to one day purchase a home for my family. I am also looking forward to taking a course in Business Management so I can own a business.

  I only have a certain amount years to complete paying off my debts and purchasing a home.  You see I recieve housing assistance from Philadelphia Housing Authority, Section-8. I was given 7 years to change my living situation so far 2 have gone by and I now have 5 years left.  I have manage to attend Homebuyers workshop and get my credit report and become employed seasonally.  At first I was doing fine for awhile, I was making certain sacrifices like spending a paying my household expense, wrote letters to my creditors making arrangements to pay them a certain amount each month and it was enclosed with the letters. My student loans were consolidated.  And me and my family were surviving on $100.00 on food.  I guess if I'm unable to get a loan I have to go back to doing that again to. 

I need help in fulfilling those goals. Can you please help me?