Bank of America Credit Card Debt ~7700 dollars

Hi, about a year ago I got caught in a scam and lost a bit over 4000 dollars, all of which went on my credit card. Since then, and for several months, I was good with making my payments on time through the online bill payment website. Eventually I slipped up on a payment and the next month my monthly payments became too much for me to bear. I have a 7,500 dollar credit limit and it had reached up to almost 8000 dollars. After being called daily from the creditor, I borrowed some money from parents and a little I had saved up to finally pay off about 800 dollars, brining my balance to about 7,250 a month ago. Surprisingly, this month, that balance shot up to about 7,450.

Now I have not used my credit card in several months, but my balance just does not seem to be going down. I called BofA today and found out my interest was on the order of 30% cause of late payments and that it would only go down to an unspecified amount only when I have made regular payments for 6 months. So, even if I make the minimum payments, my balance just keeps going up.

I can't help but feel helpless that I am just tossing money away just so I can get back on my regular payment cycle. I am just a full-time college student at the moment and fully dependent on my parents with some savings from long time ago. I also have no job, but have just begun to seriously search.

I am lost at where to even start. I am paying nearly 200 dollars a month now and that's literally not even scratching the surface of my balance. I can't help but think that perhaps I could get that 7,500 at lower interest elsewhere and pay off these enormous fees? A lot of the money I used to pay off the scammer was in form of cash advance on my credit card, which I know have even higher interest rates.

Would it be a good idea for me to perhaps find a way of acquiring money through some other company and settle at a lower interest rate?


Also:
The reason I missed the payments was not because I had no money but rather there was a misunderstanding over the online bill pay method I used to pay my cards. You see, when you pay through online bill pay, the payment is not scheduled for the day when you actually go through the motions to pay online, but the next business day after. With the payment due dates usually on the weekends, I had the habit of making the payments on friday or so, but to my dismay the payment would be scheduled for the monday after it was due. I had actually believed this was OK, because the first time I had made an online payment and found it was scheduled after the due date, I called BofA and was assured that they note the date that the online payment was sent, not the date the payment was scheduled for and that I would not be penalized for it.

However, when I had done the same thing maybe 2 or 3 months after that first late scheduled payment, I saw a late fee (by then I didn't even notice my interest fees had skyrocketed as a result). When I called them then, they told me something else.