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  1. Hello, Everyone Im am very new to this forum, but also feel as if you guys can direct me in the right direction. I have multiple questions to ask. One of them being; I have student loans that I havent paid off yet and I am currently late on them, I wanted to know if they would accept a PFD letter, if I were to agree to pay in full the amount in which I owe them? (the account is not in collections) My next question is, will having more than one secured cc with low credit limits help me more than just having one with a large credit limit? Next one is, I Have a couple accounts in