In one sentence, describe what the following article is about: If you're feeling like you need outside help, don't worry, you're not alone! Credit counseling agencies are non-profit organizations that specialize in helping people find the best solution for their specific situation. The process generally begins with free credit counseling which will help you better understand your current credit position and your options going forward. This is strongly recommended before applying for a new bill consolidation loan. You'll gain the information you need and be empowered to make the right decisions going forward. For more detailed information, check out How to Choose a Debt Management Program. Depending on your situation, applying for a (new) debt consolidation loan from your bank may be the best choice. A new loan has the potential benefit of paying off several bills simultaneously, giving you a new interest rate (hopefully a lower one), and in the process consolidating your bill payments to a single creditor (the bank). Exercise caution however because a new loan also has the potential increase your total costs and sink you deeper into debt with higher rates or more demanding terms than you had before. While a new loan may simplify your payments through consolidation, it will almost certainly increase your total payback time. Again, make sure to close the original debt account after transferring. Otherwise, you may end up simply running up the same amount of debt again. Your debt counselor or your local bank can help you with the application process. For students loans, partial forgiveness of the debt can be an option for those who qualify. Several programs exist for student loan forgiveness based on your occupation and volunteer service records. Your debt counselor should be able to advise you, or else look at How to Get Student Loans Forgiven for more information. As with any consolidation plan you will need to make a payment plan and stick to it. Work with your debt counselor or loan officer to calculate how much you will be realistically able to pay, then set reminders for yourself to always pay on time. Autopay options can greatly reduce the amount of time you spend each month paying bills, and reduce the likelihood of a late payment. Whenever possible, pay more than the minimum to reduce your debt balance.
Summary: Connect with a credit counseling service. Consider a bank loan. Look into loan forgiveness. Set up a payment plan.

In one sentence, describe what the following article is about: In addition, wear gloves to protect your skin. It's also a good idea to not wear your Sunday best. Throw on some old clothes or put a smock over clothes you want protected. Some of this stuff is dangerous -- this experiment is not meant for children! Listen up, kids: You'll be working with a solution that's near a 12 on the pH scale. That basically means don't swallow it, don't put it in your eyes, don't bathe in it, and don't really expose yourself to it directly at all. Got it? Moving on. A ceramic bowl will work best, but plastic works too. Use funnels, measuring tubes, and basters to keep everything well-measured and well away from you. Hydrogen peroxide is used to replace the luminol's nitrogen atoms with oxygen. When that happens, all the substances create a rave and start partying and electrons fly everywhere and what results? The glow. It is important not to touch the luminol. Use a funnel to make everything safe and easy. Unfortunately, these hazardous chemicals will not float freely in mid-air like this graphic suggests. Yep, unless you're a coroner or some sort of crazy spy/criminologist you probably don't have this stuff lying around the house (hopefully not...). If you're dead set on starting your own glowstick business (worse ideas exist), try websites like Alfa Aesar or Sigma Aldrich for supplies. Mix everything well. Don't use your hands -- use a metal or plastic utensil of some sort. It's important to use sanitary, clean tubes for your glowsticks. The last thing you want is other substances interacting with the reactions you're depending on to make the substances glow. This enables you to seal the containers quickly after filling. It's not like the glow will get up and run away from you, but still. Shake them up once the lids are on tightly. Then turn off the lights! If it's not already glowing, something went wrong. Do over! Take your glowsticks to the party and charge your friends loads of money for them! But act quickly...the glow won't last very long. Expectations crushed? Method two to the rescue! The reaction that the luminol and hydrogen peroxide creates doesn't last long at all -- maybe a couple of minutes. For something that lasts hours, go to the next method (which is a lot easier to facilitate if you have access to a laboratory, but it's still worth mentioning).
Summary: Put on protective glasses. Combine 50 milliliters of hydrogen peroxide and a liter of distilled water in a mixing bowl. Mix .2 grams of luminol, 4 grams of sodium carbonate, .4 grams of copper sulfate, .5 grams of ammonium carbonate and 1 liter (0.3USgal) of distilled water in a second bowl. Clean the containers and dry them thoroughly. Set the correct lid next to each container. Combine equal amounts of the first and second solution in the container and close the bottles. Watch as the chemical compound creates a colorful glow.

In one sentence, describe what the following article is about: On the saddle are leather straps called the girth (or the belly band). Feed the leather strap into the buckle, and secure it so the girth is tight. You should be able to fit your fingers underneath the strap. The girth stops the shafts from going backward if the cart or carriage gets unbalanced. Take the leather straps of the traces, and place each of them behind the leather straps of the belly band. They should sit on top of the saddle's leather strap (behind the horse's front legs). The bridle will easily fit over their head. Then, place the bit inside the horse's mouth so their tongue lies underneath. Attach the curb chain to the hook on both sides of the bit so the bridle stays put on their head. The bit is a slightly curved metal piece that sits in the horse's mouth. This helps control the horse. Connected to the bit is a curb chain and 2 rings for the reins. After the bit and curb chain are in place, strap the reins to both of the rings on the bit. You can use the lower loop for more control over the horse. Run the reins through the rein tariffs on the harness and buckle up the ends. More control of the horse is helpful if you are driving on roads with traffic, for example. The rein tariffs keep the reins straight and tangle-free. Inspect each buckle and ring to ensure each strap is properly fastened. They should fit snugly around the horse, and you should be able to fit your fingers underneath. Tighten or loosen the straps as needed.
Summary:
Attach the girth around your horse's body to keep the saddle in place. Run the traces behind the girth. Place the bridle around your horse's head and the bit in their mouth. Connect the reins to the bridle and the saddle. Check each strap to make sure it fits securely and comfortably.