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I follow the Ramsey financial philosophy and I have done. And, yes not paying them back has a negative impact on your credit! TallGirl, if you have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school.
There are few job markets that are hiring right now but I do know the medical field is fairly solid right.
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So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach.
DO NOT pay more than the minimum unless it is the minimum debt.
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