No. of Recommendations: 0
Now I will be more civil.

For fellow Fools to help you, we need some more information. I agree with DonRay that we need to know how you spent your way into this situation. Also how much can you divert from 401K monthly savings to credit card debt? You said it was small but not how much. I would assume you have a good income as a systems programmer due to the demand for programmers. Where is this income going? It doesn't appear to be car payments. What is the size of the apartment and can you get a smaller one?

Give out any important facts that you feel comfortable giving in a public forum.
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