conversation: User (InTooDe_ep): "Hey Everyone,\n\nSo throw away because I'm truly embarrassed. Anyways, as my post states I currently have over $10,000 in credit card debt.\n\nA few months back my girlfriend and I thought it would be a great idea to get an apartment together. Long story short, it was an awful idea. 2 months into our lease she decides I'm not the one. She ended up going home with her parents and I've been stuck fronting all the bills by myself. \n\nOver the course of 5 months I've racked up all this debt due to not being able to afford rent and my other bills. It came down to putting rent, groceries and anything else I possible could on cards I have.\n\nI'm finally reaching a point where I'm making enough money to pay all of my bills without dipping into my credit cards, but not nearly enough to pay them off.\n\nDoes anyone have suggestions of what I can do at this point? I'd really not like to file for bankruptcy because I'm only 22. Any help or tips would be greatly appreciated. Thank you all in advance!"
  Self: "Im in the same boat, 21 with about 10 grand in debt from 12 different credit cards. Even working all the time for the union its tough to make it every month.\nDid you know\nYou can ask your creditors to lower your interest. Not all will agree but ones like chase or discover can lower the interest rate if you explain your situation. Another suggestion is to have a considated debt offer like lending tree. Best thing I have found is to cut the credit cards into guitar picks after writing down all the info and paying them off through their apps. Its a hard knock life though."
  