Debt can be both physically and mentally debilitating and the only thing that will change that is eliminating it. Even if you have to file bankruptcy, it beats spending years of robbing Peter to pay Paul. If you have debt, the sooner you make a decision that will help you reduce and eliminate it the sooner you will restore sanity in your life. Beginning by talking to a credit counseling company is a good place to begin. They can explain your options to you. These companies are nonprofit, so they having nothing to gain by the recommendation that they make to you for debt relief.