Hi sodit,

It does sound like your not tied into anything yet which is good.

The best thing to do is sit down with an advisor face to face and discuss your circumstances in full. That way you will know about all of your options and can then make a good informed choice of which option you would like to proceed with.

The meeting can take place in the office of the advisor, in your home, place of work or anywhere else you would feel comfortable meeting.

The positive thing is that you have solutions to your financial difficulties. Don't feel rushed into anything, just take your time and decide what you feel is best.