Credit Karma has a fantastic "score simulator" tool that you can use to project credit score changes (paying off balances, opening a new card, using an old card that has not been used in some time, just paying your bills on time for 6 or 12 months).

. - AOA Debt Reporting Service: letter sent w 120 days to pay (with credit bureau reporting) after which it rolls over contingency plan with collection agency getting 38%.I know I would not want the task for what they charge.  

If you're a good student and can get into a good college without going very deep into debt, I believe you should go.

I recommend considering your cash flow and debt-to-income ratio before making a decision, and consulting with a financial advisor to tailor the choice to your specific needs.Good luck!

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

I have very little debt besides mortgages and have spent my own money doing renovation over the last few years.

The same is true for credit card debt. 

Are they going to start paying down that credit card debt, turn over a new leaf, and avoid bankruptcy for the next decade? 

The neighbor was the hottest in the twin cities and this house has 83 businesses cards of realtors who showed the property.

After closing, work on increasing your income, reducing debt, and preparing for a second mortgage.