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He's in over his head with a car payment he can't afford, higher rent than he had and student loans. He got a promotion at his job which required a move to a more expensive apartment and ignored my advice to plan out a budget he could stick to.
The bank holding his car loan refuses to work with him so he's looking at selling the car privately and buying cheaper wheels.
The student loans are through City bank and they are not willing to consolidate or work with him. I'm hoping that a credit counselor can advise him on where to go from here.
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