You basically have to find a team or make one and even then, it is very hard and most of the time, you work for free for them or it's hard to find people to make a team.

Check out FilePlace, where user-created forms are available for free.

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

Due to the current interest rates, you probably can't live for free, but you can definitely learn how to house hack in that first year, reduced your personal housing costs, learn the rent by room/co-living strategy on-site, and then probably break-even after move out, but most importantly, it is possible to make that work in 2025 with today's rates.It just takes being open-minded and willing to be flexible for the 1st year.  

It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

Feel free to contact me with any questions.

If you’re open to discussing potential deals or just networking, feel free to drop a comment or send me a message!

If you’re interested in discussing this further, please feel free to message me.

If it's a roth IRA, you may be able to take out the principle tax/penalty free.

If you need any help running the numbers, feel free to reach out to me.