[politicket]

I have been there as well when I was in college, so I'm speaking from direct experience.

He needs to hear tough words because he was irresponsible in getting himself into this spot (just as I was).

He now needs to grow up, become responsible, and quit whining that there is $0 left after paying bills. Once he succeeds in meeting his obligations then he will have a new sense of accomplishment that will serve him well in future years.

[Rca2000]

You have got a point. I NEVER had anywhere near $1000 a month minimum payments... maybe 250 a month, and THAT was bad enough.

I am glad that is over, and I have very low minimum payments,and only ONE credit card, that I use.

One thing he probably did, as did I ,when I was younger:: people would need gas, food, cigaretts, and tell me, "just charge it for me, jack, i'll pay you later". i used to fall for that, but NO MORE!!