I make about 1,600 a month and my total payments of debts is way over that. I can't even pay regular bills like electric, phone etc.. I don't know how this got out of control. I have about 5 loans out and the rest is 2 credit cards, medical. I am at a lost of what to do. Even with a second job it just don't cut it with the rising of gas and everything else. Can't even afford food anymore and have 3 kids to feed. I need help so bad it is unreal and don't know where to turn without losing everthing.