I am 37 years old, African-American, gainfully employed in D.C., have lived, worked and studied abroad. I have a Bachelor’s in French. I also have 60,000 dollars worth of student loans to pay back, a bad credit card history (years of just being irresponsible, but that’s now over) I would say that I have about 4000 dollars to pay back credit card wise. I have now returned to the United States after having lived in Paris for 4 years and know now that CREDIT DOES MATTER. My goals are to own a loft apartment within the next 4 to 5 years.
I have already sent away for my free credit report. I have 500.00 in savings and pay 1000.00 dollars in rent. My paycheck after taxes gives me 1,034.00 every two weeks. How do I change my situation to achieve my goal? Are there any programs for first home buyers that I could take advantage of? I’m fabulous and broke. I am going to change this. I’m too smart to be financially inept. I need help, please. Thank you.

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