I am seriously considering declaring bankruptcy. I have over $10,000 in debt, $8,000 of which is already on a CCC program. I cannot afford even the CCC program. I have already asked my family if they will help with a loan to pay the cards off, but they say no. I have tried getting a second job, but that doesn't cut it - it gives me just enough to live, whereas now, I can't afford to live. I'm 21, do not plan on buying a house anytime soon (how can I save for a house when I can't even buy myself food??), already have a car and do not want anymore credit cards! I think about how much money I would have if I didn't have to pay or wouldn't have spent in the first place to these credit cards. I might actually have a savings!!

What do you think??

Unfortunately, not enough information to give any advice. What type of income do you have? What other expenses do you have? Do you live on a budget? What about the car, is it paid for, what insurance premiums do you pay? Where are you living now, how much is rent, do you have roommates? If you can provide us with info like this we can help with more specific ideas.