<prompt> Human: So Im currently 25 years old with 2 credit cards maxed out 5,500ea and 3 other credit cards with 0 balance. Both of the 0 APR promos I had just expired and the APR is now 23 on both cards. Balance transfers are out of the picture here. The debt came from school expenses since I dont qualify from FAFSA as well as a combination from losing my job a couple of times and simply just bad purchases. I have another full year left at my University with each semester now costing me about 500 rather than 3000 in tuition like before. Currently just got a job making about 2000amo before tax, luckily Im being able to stay at my parents so no major expense as far as rent goes. My car is paid off as well. Im considering filing bankruptcy but Ive heard that stays on your record for 7-10 years and Im not sure if thats my best option for me. Any advice would be appreciated. Thanks !Edit: I heard of combining the 2 cards into one large payment as to one of the best options, is this the process if I go through a debt relief company?  <response>: I dont think you file bankruptcy over 11,000 debt. From what you describe, it sounds like you could pay about 1000month towards that, and be done with it in a year or so? 