Everybody's had money troubles at some point. It's completely normal, especially when you're young and just learning to handle your money. You can also run into trouble even when you're older - like when the economy tanks and all of a sudden you don't have the good job that you were used to. You were counting on that job to pay your bills and suddenly your hours have been cut or you've been laid off. You may be able to get another job, but will you make the same amount of money? Often, you won't. You'll get paid a lot less, but your debt won't come down along with it. So, what do you do?
If you're in that situation, don't give up. It may be frustrating - and even a little bit scary - but getting depressed and giving up on things is never the answer. Fortunately, you can go and see about debt consolidation. It's a great way to get help, and a lot of people do it. Some of them go because they've been careless with their money, but others go through no fault of their own - like when the economy goes bad and they lose their job.
Don't be ashamed to go to debt consolidation. It's a great way to end up with just one payment instead of a bunch of them. You'll know exactly how much you have to pay, you'll have only one (usually lower) interest rate, and you'll know how long it will be until your debt is paid off. If you can pay extra that's great, but you don't have to. Just making the minimum payment will get you out of debt in a reasonable amount of time, provided that you don't do anything to get into more debt. Put away those credit cards and see someone today about debt consolidation.