my debt

Welcome to the Community Danny :D That is quite a large debt, is most of it student loans? Have you spoken with them to see if you can get any type of deferrment? Also, someimes your cc companies will drop or lower interest so you can get them paid off, this has worked for me. They have programs, some type of hardship program, that will do this, you just have to keep calling until you get one that will do this. You may have to look at debt settlement to get them paid off sooner, it's not as good as paying them off in full, but it is better than not paying at all. Since you are registered, someone from your area will contact you and discuss this and other options you may have. Don't give up, you can get out of debt, but there are no quick fixes, and it does take time. Thanks to this forum and the people, I have been able to pay off all but one of my debts, and am working on it, so you can too!!..Feel free to ask questions,we are here to help..KAren