<prompt> Human: I just finished my junior year in college. I owe my credit cards somewhere around 15,000. It is spread out amongst 8 different cards. I am paying around 400-450 a month, just for the minimum payment, and it is destroying me. Not only is it a ton of money but its so hard keeping up with what is due and when. I am planning on going to law school and will not really be needing my credit until afterwards which is going to be another 4-5 years. I have been told that if I just stop paying my credit resets Im about 7 years anyway. What do you guys think?  <response>: When you apply to take a bar exam, your credit history is usually taken into account to determine your fitness. 