How can I get enough money quickly to pay off my credit cards?

I have about 10k in credit card debt. I don't make a lot of money and I'm paying off student loans. I had to use credit cards during college because my parents did not help me at all. I want to pay them off as quickly as possible. How can I do this? I do not use them and haven't used them for 9 months now.

How can I get enough money quickly to pay off my credit cards?
Credit card debt consolidation adds up all your unpaid balances and converts them into a single payment. This payment is far lesser than each of the individual payments.





When you finalize a plan with a debt consolidation company, the company repays your dues to your creditors. Then you make a single payment to the consolidation company every month. Your average new interest rate is much below the old interest rate.





All credit card debt consolidation loans include some type of credit card and debt counseling. You have to trim your lifestyle to eliminate unnecessary expenses. This will allow you to set your house in order. But this necessary, as the ultimate goal of debt consolidation is to help you out of debt, while keeping your home.


http://debts-to-wealth.com/category/Cred...
Reply:since you dont make alot of money, the thing you will have to do is try to find ways to save as much of it as you can.


Do you eat lunch AT work? If so maybe you can take your lunch a couple of days...


turn your heat/airconditioning down or off while you are at work for 8 or so hours per day.


do you have things in your house that you dont use? maybe you can sell them on ebay


You might qualify for the earned income credit when you file your tax return, maybe you can devote that ENTIRE amount to repaying you debt.


Not sure what you took up in school but there are certain programs that will forgive your loans if you agree towork with them...peace corps, certain teaching positions etc


maybe you can go back to your school and talk with your guidance counselors regarding this....





When you go to the store to purchase groceries, GO with a list.


Do you have a friend that you could split a membership with to one of those discount clubs...if so you can buy toliet paper and other supplies in bulk and for even more savings you can split the cost of same with your friend.


wash full loads of clothing only.


I am sure you will be able to think of other things you can do


Best of luck to you
Reply:the best way is getting a job
Reply:Bad credit debt consolidation loans are quite popular with those with poor credit history. If your loan application is rejected by a lender, bad credit debt consolidation loans are there to help. If you want to repair your credit history by repaying a loan, which has simple terms and low monthly installments, again bad credit debt consolidation loans are for you. They save you after rejection and help you regain your financial credibility, so that you can again enter the mainstream credit market.





Bad credit debt consolidation loans are of two types:





1. Secured bad credit debt consolidation loans:





These types of bad credit debt consolidation loans are secured by a collateral usually some property or a guarantor. Since, the lenders find something to bank upon in case you default on payments, the interest rates on secured bad credit debt consolidation loans are cheaper, the lending amounts are higher and the repayment period can be long.


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Reply:you can defer your student loans , call them.


pay on your debt monthly for few monthes then apply for a bank loan , pay of your cards with it , then that will reduce you monthly payments because , you will have one loan vs few credit cards with crazy intrest rate.
Reply:You could get a job. That's the fastest way to get money. Isn't that the reason you went to college in the first place?