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The important thing to remember is it will all work out eventually.....
You aren't alone in being swamped and feeling overwhelmed.....
Lots of people have already given sound advice on things like consolidation, arranging deferrments, etc., so I'm not going to reiterate any of that.

Hang in there, and remember, it won't be like this forever.....

--mary anne (who's also hanging in there, and looking forward to the day when my bills are finally paid off)
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