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Here is the question: I calculated my debts and I am a total of $29,000 in debt. This is from student loans, some unpaid medical bills, and some checking accounts. The checking accounts are from around 7 years ago. The student loans are from recently and are on my credit report but I haven't had to start paying them back yet. I am trying to raise my credit score and I am needing advice on the best way to do this. Should I try debt consolidation or debt settlement? Please any advice!!
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