<prompt> Human: If you need help, please check the PF Wiki to see if your question might be answered there.While we never remove posts just because a question is answered in the wiki, this thread is a low-key place to ask any question no matter how moronic you think it might be.Make a top-level comment if you want to ask a question! Also, please dont downvote moronic questions! If you have not received your answer within 24 hours, you can feel free to start a discussionA big thank you to the many PFers who take time to answer other peoples questions!For past help threads, please search the Weekly Archive  <response>: I want to thank everyone on this community for everything they do, for me and for others. After years of bad financial choices I made the choice to get back on track and in just a few short months I have seen my world transform.I called the collections agency for my student loans and they are offering me an affordable option to rehabilitate my loans. I will be using a settlement payment I received to build up a 3 month emergency fund, and pay down the student loans even faster. I even got my first Secured credit cards to help build my credit back. Life is looking up! 