Well first off, this debt was made because I was stupid and left my job for another job that didn't pay anything. When I quit to train for another company I had no other means of income. That left me using my credit card for necessities(spelling) and school supplies. I know, I know...and I'm learning from it. Then I had some speeding tickets to pay off..didn't have the cash...threw it on the card...and had to buy brand new tires....no cash...threw it on the card. All together the debt is near $3,500. The cards are cut...so I can stop using it for "emergencies" and I'm making payments on them...but I know the intrest is really high....and thats the main thing I'm concerned about. Are there any companies or loan companies that can combine the debt from the two cards so I'm not paying two high interest fees? Any advice would help. No negative crap either, I learned my lesson already . Thanks.