So I opened a credit card as a freshman in college (2008) and ended up losing my job and never paid off the debt. Collection agencies have been blowing up my phone and sending letters trying to collect the almost 00 that I owe. I am presently unemployed due to health issues and have no way to pay off all the debt now. They are offering me the option of settleing the debt but i dont want it to ruin my credit score. what should i do?

I have no other credit cards in my name, only the hospital bills i have been paying on from three surgeries and the hospital stays and what not. will paying these bills on time and in full help my credit score?

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I went to CUNY Laguardia COllege here in NYC back in 2006. It was my first semester as a Freshman and decided to take a few classes. Unfortunately since I was working full time, I did not qualify for financial aid. I was told that I could take my three classes and just pay my debt off to the Bursar Office. Unfortunately I passed only 1 class and because of relationship problems I did not finish the last two. Now I have a debt of ,500.00 to pay off. This has discouraged me from going back to college. I would very much like to go back, but want to take the appropriate steps to resolve this debt in the most affordable fashion. Is there anything I can do to dispute the total amount?? HELP!!!!!!!!!!!!!!

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