I'm 21 and have made some studip choices on getting credit cards and charging them up. I have $8000 in debt and am still in school. Is there any way to get this reduced or set up as one payment. I can't continue to keep making the payments due to living expenses. Thanks.

Start immediately and pay off the smallest debt first and then work your way up to paying off the largest.And you may have to decrease your living expenses to increase your ability to pay off your debts.

Consider looking at getting a personal line of credit. Several banks offer this for students at discounted interest rates. Use the line of credit to pay off your credit card debts.Get a job and work towards paying off your line of credit. Budget your income and minimize your expenses. Consider speaking to a professional at a bank for advice on how to structure your repayment.

Only route I know to go other than getting a personal loan is trying to get a single card with 0% and 0% on balance transfers. Get as many as you need try to shoot for the 1.5+yr 0%. Transfer them all and pay them ASAP. Worste case scenario you can do the same again.