We have about $20,000 in credit card debt, and for the last 6 months have had to resort to one of them to help w/ weekly expenses. All but one is maxed. I have not been late on payments, however, I don't have enough to put any dents in the debts and now need cash to maintain life, instead of charging.
Our credit is low 600's, and need to know if I should consolidate debt or try for a "bad credit" personal loan. We are a one income family and hubby is secure in his job. I have a son who will be going to college in 2011, I don't want to hurt chances of that when the time comes. Any advice?