WAY TO GO!!!
we are just starting to pay on spange's school loans.
the thought of paying interest on money makes me sick to my stomach.
may i offer a couple of bits: if you do get a credit card to get back a good score, you can pay your gas or water or something with it and pay it off each month. this way, you're using it but not using it, and working on your score.
second: do something with that $240 like invest or pay off debt or save it since you've been living without it for years now. find a calculator that would determine how much after years and interest that $240 would make you. that's encouraging to see.
i'm sure you feel WONDERFUL...and you should...what a feeling to be debt free!!!