u/A_black_caucasian

I make enough to cover my minimum payments but i have 7 different accounts (lines of credit + credit cards) and the total debt is around $44k. Ive called the creditors and they said im not eligable for their hardship programs because I make too much. Im also getting sick of never making a dent in the balances because interest is so high (26%). I started looking into releif programs and the credit counseling from non profits and it seems like even though non profits have fees and going that direction would end up costing me more in the long run. Definitely dont want to do bankruptcy because 7 years is a long time to recover and i think i can pay everything off before that. Im okay with paying some fees to people if they can actually reduce the amount I owe. Seriously not looking for the same generic talk to the nfcc advice, looking for people who have done a releif program. Has anyone used something like accredited debt relief or beyond finance before?

Got a check engine light and pulled a P0128 code. From what I can tell, it means the engine isn’t reaching operating temperature properly. I’ve noticed the heater isn’t blowing very warm air and the temp gauge sits lower than usual, especially on shorter drives. Car runs fine otherwise, but fuel economy seems a bit worse lately.

From what I’ve read, it could be the thermostat stuck open, low coolant, or maybe a bad temp sensor. Before I start replacing parts, what would you say I should check first?