I made the big mistake of opening multiple credit cards right out of college. I used and abused these and now am paying the consequences. The high interest with my low paying jobs are not matching up. I am stressed beyond belief because of the debt I have put myself into. I want to be able to move on with my life and think about marriage and starting a family but cannot until I have this debt out of my life. Even with my debt, I still give money to charities and medical benefits knowing that a little can go a long way for someone. I'm hoping that, now, I can have the same help.