Currently have a credit score of 630 with 6 items in collections which are paid in full this month 30K in student loans start paying this month How will your credit look in 12 months?

That's really a question for a credit counseling type company who can answer questions relating to your credit score I can tell you that until you consolidate your loans, they appear as itemized on your credit report. Once you consolidate your student loans they appear as one loan and give you a lower debt to income raition therefor giving you better FICO/Beacon score.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.