What are my options? Have about 8k on credit cards

debt consolidation.. or the "snowball" method, which involves payin only the minimum payment on all cards but one, this one you tackle hard, and you do this until all are paid off..I have 2k in debt and am debating myself, wish you luck! God bless!

There is a great place to go with this. I was in a very similar situation.

This is getting help from real people without the use of banks or credit card companies. Good Luck!

JB is ABSOLUTELY right! Do everything he laid out.

I have been following Dave Ramsey's plan for almost 2 years and we have paid off tens of thousands of debt (credit cards, car, etc) using his methods.

Debt consolidation is paying for a service you can do yourself. Plus you need to learn how to budget your expenses and control your spending. Debt consolidation doesn't do that. Most people when they do debt con they end up going into more debt before 12 months is done. Doing a written budget and following it every month will be the best long term option. You will learn spending discipline and be changing your family tree if you decide not to use credit cards again!

Consolidation Loans can help a lot actually. Try here



or your bank. You can't go wrong to exchange high interest credit card debt for a lower rate consolidation loan. Just be aware of any additional charges etc.