<prompt> Human: Friends tell me lots of people have it worse off than me, but when youre me, it doesnt feel that way. Im self employed with 65K in credit card debt thats strangling me. Im wondering what a good first strategy would be. Some ideas:1. Is there a best way to renegotiate with the CC companies to lower my interest rates and reduce my payments so more goes towards the principal? 2. Are debt consolidation loans a good idea or bad?3. I find NO good resources for advice and information. It seems that there would coaches, advisors, consultants out there with answers on how to deal with debt, but all I find are ripoffs. Anyone have any resources managing debt?  <response>: In order for us to help you better, a full financial picture will help. What are your savings if any? Income? Full monthly expenses? 