<prompt> Human: I didnt make the best decisions in my 20s but Im trying to get myself out of this credit card debt. I make my payments which amount to over 500mo. but I am treading water. Im looking into options to help and think that a debt management plan might be a good fit for me. Does anybody have experience with this type of program or can advise me better on the pros and cons. Are there better options out there for me?  <response>: There are no programs that will help you like they advertise. Many of these programs will destroy your credit score for 7 years.You first need a real budget. Post it once you get it and we can tell you what the next step is.Your best choices involve two things:1. Spend less money, WAY less money, living in survival mode2. Earn more money, WAY more money -- put your extra hours every dayweek to more income streams 