I am at my wits end...I am working 2 fulltime partime jobs to pay a house note and car pymt, insurance,utilities, and a $20k student loan. I was a realtor for 5 years and am only 28 yrs of age..I owe $25k that does not include student loans of $20k..I am 6 mo late on cc..I may have to walk..what to do? thanks