I'm in debt.., What should I do? Options

[Jen]

I am about $8k in debt. My credit score is a 600 , and my income is so crappy.. that I don't even want to post it.

I was in more debt, but I have paid a lot of it off.

Should I get a consolidated loan, and put all of my bills into one?

I asked someone, and they said they could only give me a credit line of $2200, or something.

I'm just so confused.. and I just want to not worry about making 5 payments a month.

Does anyone have experience in this kind of thing, and could help me out?

I'm going to go to the bank sometime this week and see what I can do, but I'd like a little advice beforehand.

I am STRESSED to the MAX.

[jgreening]

1. Do not charge or borrow another cent until everything is paid off
2. sell unnecessary items and put all proceeds to debt
3. get rid of discretionary monthly bills (cable, more than one phone, etc.)
4. get 2nd or 3rd job and put ALL of the income to the debt
5. pay off highest interest rate loans (cards) first

I agree that 8k is totally doable even on a meager income.

When I was in school, I was about 5k in debt (a few years back) and got out with about 18 lean months.

It sucks, but I would never want to file for bankruptcy unless there was absolutely no other way out. Once you do, good luck ever getting a mortgage if you want a house someday. The whole "it only stays on your credit report for 7 years" is BS.