first, it is important to look at the age of the debt � the older it is, the least it affects your credit score. look at the larger picture too. rita's not the best role model as far as i'm concerned. please donate whatever you can to will to give him this chance. but my mother is 100% german. but i definitely don't want people to think that they can't join in because they have other things that they need to finish first. i thought this was amazing value, so i sipped up the lot. 