I'm in debt.., What should I do? Options

[Jen]

I am about $8k in debt. My credit score is a 600 , and my income is so crappy.. that I don't even want to post it.

I was in more debt, but I have paid a lot of it off.

Should I get a consolidated loan, and put all of my bills into one?

I asked someone, and they said they could only give me a credit line of $2200, or something.

I'm just so confused.. and I just want to not worry about making 5 payments a month.

Does anyone have experience in this kind of thing, and could help me out?

I'm going to go to the bank sometime this week and see what I can do, but I'd like a little advice beforehand.

I am STRESSED to the MAX.

[lagos]

Don't do any debt consolidation. All those companies are out to scam you and just make money from you.
You might lower your monthly payment with them, but your over all debt will be higher then it is now and your credit score will be even lower.

First thing you should do is call up your credit card companies and ask them to lower your interest rate. This works about 50% of the time.
Then start out by paying off the card with the highest interest first.
And stop using your credit card. Even if you pay it off at the end of the month, thats money that should be going to pay back the other cards.