Are you behind on payments?
One option is to let it fall behind and then call them up and settle.
I got a newsletter called “the Debt trap” detailing the debt industry and it kinda freaked me out, so I settled all my cards, but I was much deeper than you.
2nd option is keep up the min. dont use it anymore and when you get out of school, land a great job and pay them off.

hope this helps

2. another thing u might want 2 know is that u have the right 2 deal only w. original creditors & elimin8 collection agencies. in doing so collectors don’t get pd out of yer $$$ b/c u send it right 2 the original creditors

3. u can order a copy of yer credit report & use yer credit report info 2 repay
original creditors b/c the acct names/#’s along w/ creditor contact is all there.

TIP;
the best way 2 deal w/ original creditors is by sending a copy of yer last bill along w/ the pmts. just start sending pmts; don’t call, just start sending the pmts

REMEMBER, NEVER drop out of college!!! classes help prep u 4 an even BETTER job so u can earn MORE 2 repay creditors!!!!

A. Have a garage sale and sell anything that you no longer need or want.

B.Get a temporary part time job, if you have one, get another. The wife too. When my kids were small, I worked at night to bring in extra money so that I would still be there for them during the day.

Here is a plan that can help you. If you work the plan, the plan will work for you:
1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an “emergency fund” category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don’t even have to worry about it. You must cut your spending and live on less than you make.

2.First get current on all of you debts and make no more late payments. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on.

3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example:

To start :
Debt #1 (highest interest): minimum payment+ extra payment
Debt #2 (middle interest): minimum payment
Debt #3(lowest interest): minimum payment

Debt #1: paid off
Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment
Debt #3: minimum payment

Debt #1: paid off
Debt #2: paid off
Debt #3:Minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment.

That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have.

4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty.

5a. When you have your emergency fund in place, add a category for “fun” to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life.

5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire.

5c. When you have your emergency fund in place, start saving for your next car. Only buy cars, or other things that depreciate, with cash. Save up for a nicer car. That way you get the interest instead of paying the interest.

You can do it and it isn’t as hard as you think. Just follow the plan.

Start with the small amounts first. Pay them off ASAP. For the bigger ones make payment plans with them. You may be able to get a second job (if you put your schooling on hold). You could even pay some of the smaller ones off then during tax season pay those bigger ones off. I’d recommend doing some payment plans if your intentions are paying off those accounts.