No. of Recommendations: 8
There will be more detailed advice coming, but as far as quick first thoughts go:

1. Start snowballing NOW. You do need some breathing room, but you also need to start taming these tigers. You don't need a debt management company (i used one in the past, wish i hadn't).

2. Get a second job doing anything for extra money. Starbucks, tutoring kids, selling stuff. Anything to bring in extra dough.

2a (didn't want to renumber when I thought of this one) Do you have any investments you can sell? The math works out better here unless you're seeing 28% after tax gains on the investment.

3. Can you lower your car insurance to something more reasonable (ie, if it's paid off, can you drop comprehensive and only carry liability?) That move is a little risky, but it could be some serious extra cash.

4. Can you get a cheaper cell phone plan? Again, nitpicky, but if you nitpick enough the money starts to add up.

5. Thank your brother. That said, is there someone in your family who could float you a lower interest loan? Loaning money from family isn't always a great option, but if it's there and willing, you can save thousands.

Absent income details, etc, it's hard to make more concrete suggestions. From your Red Star, it looks like you've been around long enough to know how most of this works.

Good Luck!

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