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Thank you all for the advice and support! I am seeing a CCCS counselor next week, just to talk over my options. I will also investigate getting a second job during the week (time to recuperate on the weekends is vital). It is good to know I am not the only one who got myself into this situation.

I think we all believe in personal responsibility, but don't you wish we could teach people (esp. young people) about the (potential) evils of credit use just like we teach about drug use, seat belt use, etc?! Credit card industry now = tobacco industry 50 years ago (doh!)

Thanks again--I'll post my experience at CCCS next week.
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