I make $10/hr, working 30 hours per week (can't work full time because of school) and my fiance makes the same amount. So we bring home roughly $230/wk each.... or $1840/mnth total. I'll start with our biggest monthly payments and go from there. My car payment is $346/month, hers is $335. My insurance is 155/month, hers is 175. So... just in cars/insurance, we have to pay $1016/month, leaving about $820 for the rest. The rest: $50 /mnth for cell phone, times two cell phones: $100 /month. $30 /mnth for gas, time two for each car: $60 / month. So, cars and cell phones are costing us $1016 + 160 = 1176 month, leaving about $660 to pay off credit cards. I owe $4200 @ interest rates ranging from 15-28% (damn Citibank, that's who I collected for) and my fiancee owes $2200 @ interest rates ranging from 15-25%. We have had our cars since October (two '02 Honda Civic LXs) and we are trying very hard to get out of the cars asap. We have come to the conclusion that our only option is to pay on them another 6-12 months and hopefully the cars will even out enough that we can sell them to pay off the loan and then jump into a cheaper car. We made a very bad decision buying new cars and getting in $6,000 worth of credit card debt making $10/hr and in college. We plan on buying $5-10k cars next time so our payments are much less. We turn 21 in a few months so our insurance should also slack off (hers anyway, my insurance company is screwing me because they are assessing accident points to my insurance because my brother got in an accident and they do that to the two highest risk cars). So anyway, we realize we made mistakes and we want to unbury ourselves. Our credit cards are maxed out, but we have not missed any payments and both of our credit reports are over two years old now. My fico is 634 as of three weeks ago and I haven't pulled hers in a while. If we were to spend $500/month paying off credit cards, I imagine it will take roughly 13-14 months to pay off our credit cards. Is there else we can do to help get out of this?