My winter coat was ripped a few years ago so I took it there . They fixed it in about ten minutes and charged me seven dollars . Saved me buying a new coat for another year . <| sep |> Especially since they have multiple copies early . <| sep |> I feel like there are way more commercials than there were during the redskins cowboys game . Fuckin NBC , man <| sep |> That looks painful ! <| sep |> Bad call for passExcessive call for passB drops down to B <| sep |> You ' re responsible for making sure the payments are made . No way to pass the buck on this one . Your credit score will recover pretty quickly . You could also make sure you have 3 credit cards that are always paid off completely , where you don ' t pay any interest . In a couple years , those cards will be a couple years old , and since you ' ll have not missed a payment on them , they ' ll help counteract the negative of your student loans .