[InChiefsHeaven]

FInd a non-profit debt consolidation company, like Consumer Credit Counseling Service. I've used it, and it's great. For a nominal fee (25.00 a month) they will work out everything with all your creditors, get them to stop interest and late fees, and they come up with a payment you can afford and a timeframe. Then you just make your payment to them once a month until it's paid off.

The student loans...well, that just sucks. But you need to get 2 jobs. If you kNOW you are going to be laid off in November, then don't sit around waiting for that crap. Get out there and get a couple of jobs, quit the one that's only good for another month anyway, get your credit cards in order like I mentioned above, and just start pounding on those things along with your student loans. If you ever want to get out of your mom's basement and buy a house or even rent an apartment, the last thing you want is a bankruptcy on your record.

Good luck!