I just graduated from grad school and I accrued student loans plus credit card debt. I owe my credit card company $23,000, and they just reaised my interest rate to 25%. With my $500 monthly student loan repayments (for the next 20 years) and my credit card, I feel like I am in a straight jacket. I have a job and I am current on all of my bills, but right now I have no money to pay upcoming bills. The moment I get paid the money is gone. Does anyone know a company I can trust to get out of debt?