It is not hopeless.BUT you will have to make some serious lifestyle changes. More cuts than you care to make. You will have to be truly committed to change and willing to accept major changes in your view towards possessions, spending and money in general.If you are committed to being debt free, YOU CAN DO IT.As someone already suggested, post your itemized monthly budget and let us take a whack at it. Be sure to describe your family situation (married/single, kids, etc.). Do you own your home or rent? Be sure to post balances of all loans with terms (interest and length/type of loan).MLK58 has quite a testimony. She got out from under something like $132k in debt. Her life changed and now she is debt free! She is one of my heroes. The actual proves the possible. You can do it too!
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