I’m only 24 and in about $ 22000.00 in debt, and last month I checked my credit score it was still above average, low 700s. I left a really good paying job to stay home to care for my new born son, that was over two years ago… now, I’m back working, with a new company, and a major pay cut came with it. Now I’m struggling to make all of my loan/credit card payments, but somehow I’m managing to still make payments on time. I tried to consolidate with my credit union, however, I wasn’t approved for the amount I needed. I’m seriously debating on debt settlement, but I’m scared of how badly it will affect my credit score. Also, my fiance and I are looking to buy a home in a few months… will debt settlement hinder our chances of getting a mortgage loan?