It sounds like you are on the right track, just don't consider bankruptcy. I was in a worse position than you with 60,000 in law school debt and about 20,000 in car debt. I haven't used my credit cards since I graduated law school and found that spending was the key to reducing my debt. My credit card debt is about gone and I even managed to buy a 97 Accord and now only owe 4,000. I will attack my law school notes next. Good luck.GO VOLS
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