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Q: I am 27 and preparing to purchase my first home. I have about $15,000 in credit card debt that I am working to pay off. Are there any loans for first-time home buyers that will allow me to consolidate this debt into a mortgage?

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Last December, after twenty years of owing money, I finally paid off all of my debt (except the mortgage — and I’m working on that). Co-incidentally, Leo paid off his debt at the exact same time. I didn’t pay off my debt overnight. It took many years, and I made plenty of mistakes. But with patience and perseverance, I met my goal.

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