Growing up I had a terrible child hood. I never had any guidance in life, I didn’t know that my pass life will have such a huge impact of my adult life. I’m working hard to clear my debts however I’m only being able to pay interest off, I have tried to get debt management plans but because one of my debts are a guarantor loan I am not eligible for a debt management plan. I am 28 years old I really would like the opportunity to start my life all over again I’m in hope of a fresh start to be able to correct all my mistakes I made in the pass.