No. of Recommendations: 4
What do your cash flow and minimum payments look like?

A couple things off the top of my head:
1. If you're struggling, you can't afford $100/month for the gym.
2. High rent city? If not, finding a cheaper place to live might help.
3. If you have relatives in UK, look at your long distance bills for some savings. Check into calling cards from Costco/Sam's club, or VoIP (Skype, Vonage etc).
4. No trips to UK unless you can save for it in advance / do it on points etc. With $68,000 in debt + student loans, you can't afford it.
5. Have your balances stopped increasing?

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