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I am 26 just had a baby about to graduate with an new-jersey in Computer Science. I want to join the military for a few years but the kicker is I owe two apartments from evictions one was bad roommates one was my fault. I also owe a couple thousand in medical bills. I also have driven with out a suspended license a couple of times never went to jail and all that is behind me.So will the military want me? So could I consolidate all that debt with a company and if so does anyone know what company I should use?
Recruitment goals are down, and the services are becoming much more selective. On the other hand, you have some education. This should place you in a more favorable position. I'd say your chances are pretty good.
You won't have any problem joining the Army as long as you're married or you don't have physical custody of your child. If you have joint or full custody of your child you must be married to enlist. Regardless of what your status is, if you're a female you have a six month wait after giving birth before you can enlist (can be waived in some situations). Your criminal charges must be closed out and because of your credit you will probably be disqualified from getting a Secret or Top Secret clearance, reducing the amount of jobs you qualify for. Your degree will allow you to enlist as an E-3 instead of an E-1, a nice pay difference versus E-1 pay for new enlistees. I can't tell you if the Navy or Marines would take you with your debt, you would need to get with a recruiter from those branches to ask. You can forget the Air Force and Coast Guard with your credit history, they require waivers to join with bad credit and with the amount of applicants they have your chances are pretty much nonexistent. We put in one guy who the Air Force turned away because of two collections on their credit report.
Actually, serious worries if you are trying to join the Air Force. My good friend is a recruiter, and they are VERY strict right now. He said that they were not doing any Character waivers to get people in right now. (They were all being denied.) As for the Army, I think they are a little more lenient. The suspended license can be worked, but try to clean everything up if you can. It will make it a lot easier trying to get in. I wouldn't do the consolidation company. Call the creditors and work it out with them. I had to deal with a situation like that myself after I came in and I felt a lot better working it out with the creditors and settling my debt.
If you are a single parent, the military won't take you. If you have outstanding debts currently in default, you would need to settle your status with your debtors before you could go anywhere. If you have a criminal record, the military will usually not take you, unless you have very few and very minor charges against you.
No worries, unless you are going for top secret clearances.