I am in good standing with all my credit cards

Hello and welcome to the site. A counselor should be contacting you soon to discuss your options. It's good that you are wanting to get control of your debt before it gets out of hand. Now if you decide to enter these credit cards into a debt management program, you most likely will not be able to continue use of the cards.

deverett81

Hi, welcome to the forums!

Are you interested in debt consolidation? By signing up on this site, you can get a free consultation for debt consolidation. Since you're a student, perhaps you should cut up your cards. That'll help eliminate some of your debt. And transfering the debt from card to the next isn't always a good idea either. You'll just have that payment due in a couple of weeks.

Speak with your lendors. See if there is a way you can close the accounts with a balance remaining. Once the accounts are closed, then you can start working on lowering your debt.

I'm also assuming you're not considering bankruptcy an option?

Regards
Mike

There are many ways by which you can clear off your existing debts and lead a debt free life. You must follow the guidelines mentioned in this debt free25 article for get the debt solutions that suits the best. Most important is your dedication and not repeating the same mistakes that you committed earlier and lead you to this stage. The debt management programs work the best if you do the best to repair your credit.