I am single and working two jobs. I have just finished with some home repairs and I put them all my credit cards. I am also considering going back to school. I just can't afford to pay off all my debt any time soon. BUt I don't want to wait to go back to school either. I have researched some options of consolidation and I have even thought of bankruptcy. I did find a good site incharge.org . it was pretty helpful. if any one nows anything else the advice would greatly appreciated.