It becomes too much for me.

Are you looking to consolidate your bills? I don't quite understand!

This is why I have zero sympathy for credit card companies. They flood college students with this crap full well knowing that they make no money and have no means to pay the loan back. The entire scheme is to screw your credit early on so they can make a bunch of money from either your parents or later on from you when you try to buy your first house or car. I was lucky when I was in school that I did not build up over 3,000 in total debt including credit card debt. I had friends that came out of school with over 100,000 in total debt though. We graduated 10 years ago now and they are still paying on that garbage.

Some good news is they will not sue you. You have no assests to take and no house to put a lein on. There is no point in them trying to garnish your wages because a judge probably would not allow it at 6 bucks an hour 25 hours a week and even if they did you could scrap the job and they would have to start the process over to garnish again. Take care of your necessities first. That would include rent, car payment, gas, books, tuition and utilities. I was in your shoes at one point in time and I got to the point I could not make the minimum payment. I settled the account a few years later once I graduated and was making a decent wage. I was forced to settle because I wanted to buy a house with a FHA mortgage.

You may seek some professional help to get out of your debts. You will have an easy repayment plan fixed with your creditors and pay at lower interest rates. Discuss your options with the counselor and he will start negotiating with your creditors. Don't worry, everything is going to be ok.

Yeah, I remember for the first week of every term at my college, there would be a bunch of credit cards companies with booths set up between buildings, giving away free stuff to those that applied . . . . I read somewhere that college students are one of the least risky groups because if they can't pay, their parents will usually bail them out.

That is how I too became so far in debt when I was younger...freakin discover card gave me a 10 grand limit on a credit card! Me, an 18 yr old who worked part time!