This is my first time on the site and I love it!!

I need help---my husband and I have accumulated $11k in credit card debt on top of about $8k in student loans I am paying $250.00/month on and will be until June 2004. We recently had a beautiful baby girl and I am only working part-time to cut out any daycare costs. We own a home and just refinanced at 7.125% for 30 years. We also are at the end of a lease on our vehicle and need to buy a new vehicle and need 4wd because of the location of our house. I feel totally overwhelmed - we are able to meet all of our monthly bills, but I'm starting to feel like the cc debt will never be gone. Should we take out a personal loan or consolidate all of our debt. We both contribute to 401(k) and/or deferred comp. plans - should we stop those contributions - I am 27 and my husband is 30??


We really want to start a College Fund for our Daughter who is 7 months old - but realistically we know we need to get out of debt first!!

Any advice would be greatly appreciated!!