Your defaulted student loan is going to be the biggest issue in life until that debt is paid. The will garnish your wages and take you tax rebates, if any. Now, the first thing you need to do is start paying that debt the best way possible. If they find out where you work it will not be long before the take your wages and there is nothing you can do about it. If you dont have a job, then the debt will be there. Once that debt is paid, then you will need to ge a credit card.

But, with that defaulted student loan you will not even qualify for that. The older ones will fall off your credit in seven years.

So the newer ones will harm your credit score the most. If you dont qualify for a credit card.

Then apply for a credit card. Or maybe your bank will give you a credit card if you keep your CD. Usually the credit limit is equal to the security given and is increased as the debtor proves his or her ability to pay the debt. You may have to do a secured line of credit with GE.

Two years after a bankruptcy discharge, debtors are eligible for mortgage loans on terms as good as those of others, with the same financial profile, who have not filed bankruptcy. The fact you filed bankruptcy stays on your credit report for 10 years.

It becomes less significant the further in the past the bankruptcy is. The truth is, that you are probably a better credit risk after bankruptcy than before. Hope this answers your question. Its a kind of credit card account to finance medical costs, such as dental, plastic and other surgeries, etc. The only draw back is that they do penalize if you miss a monthly payment and their interst rates are kind of high, BUT the payments are not to bad. 20 and if for some reason you get in a bind and make a payment late, its not that big of a deal. 20 for the 3rd months minimum due amount. 18 months they just add the interest you should have paid for the number of months you are given and your payment might go up a few bucks, not alot. 10 more each month on your payment amount and you will see the principle start to disappear at a faster pace. FIRST to see if they accept CareCredit FIRST, or it wont be any use to you to get the card. RE office offers a credit card through GE Money Bank for things like this. 965 a month, you will have a hard time just affording the medications much less labor, delivery and all the things a baby needs throughout its life.

My suggestion would be to find a way to increase your monthly income prior to embarking on something like IVF or a Tubal Reversal. With IVF your chances of multiples increase significantly and with a smaller income you would be hard pressed to pay for necessities.

But I do understand the extreme desire to procreate and appreciate that it is expensive. There are many things to consider prior to conceiving and your ability to provide quality of life for a child is a major concern.

Be smart enough to carry a credit card along with you. There are other tangible benefits also. With a credit card one can spare frequent visits to the bank for withdrawing cash. The purchases you make can be paid for after a month or so before it starts attracting interest. Nowadays, a credit card has many freebies attached to it. For starters, you can log on free air miles and hotel nights every time you use a Citibank credit card.