<prompt> Human: My best friend has about 4500 in credit card debit mostly from fighting a baseless criminal charge. She makes 10.50 an hour and goes to college full time. The debts are held with Chase, Wells Fargo, and Bank of America. Budget:-500 to rent-60 to utilities-150 to food-200 minimum credit card payments combinedThat totals 910She works the max she can which is 22 hours per week, so she only brings in about 739.92 after tax. If you do the math, thats enough to cover her rent, food, and utilities - but absolutely nothing else. She cant afford even a bit of the credit card debt. The debt is almost all to a lawyer and to the court to fight the suspension of her license she lives outside of public transit, so a license is a must.She cannot work more. She already works all available hours. Her parents pay her health insurance and such, so th expenses listed above are the total she is responsible for. Weve tried going to financial aid at her school for advice, but they were not helpful.There is a deficiency of over 170 in her budget. I dont see this as a bridgable deficiency via traditional means like working more or earning more or moving to a cheaper place. Shes stuck in a lease with her sister and cant afford to move anyway. Her job is pretty standard pay for a college student in this state MN.I admit Im jaded a bit cause I see this largely as a debt the state placed on her by wrongfully accusing her of a crime lets give the biggest fines to already impoverished college students and force them more into poverty! -MN. At the time of th3 court case, she had no money so she had to put all of the legal costs on credit cards.When earning more or reducing spending isnt an option, what else is there? I suppose she could file for bankruptcy, but that would ruin her credit 700. Are there any organizations or debt agencies that can lower her minimum payment? 2003 cards means an average of 66 minimum per card - thats a higher minimum than I have ever had and Ive carried larger debts!EDIT: She graduates in December of this year, so come December 13th, she will be able to work a full time job with a higher wage and then this wont be a problem. We just need to get her to December.  <response>: If all she needs to do is get to December when she can work full time and she has a credit score of 700 then this is easy.Apply for a Chase Slate card. It has a 0 introductory APR and a 0 balance transfer offer. Transfer the Wells Fargo and BoA debt to the Slate Chase debt cant be moved to the slate.She wont accrue interest on those debts for the intro term usually 12-18 15 months. She can pay what she can, and be more aggressive in December.EDIT corrected the terms. 