Increase income.

Then, make the minimum payments on each debt. On the one with the lowest balance, put all your extra money to it. When you pay it off (which should happen quickly if you truly dive in) then take all the money you were paying to that debt and start paying it to the next lowest balance. Continue this "debt snowball" until everything is paid off.

Then NEVER USE DEBT again unless you can pay your balance in full every single month.

There is no one that can do this for you. You can’t BORROW your way out of DEBT. Debt Consolidation just charges you money to do what you can do your self.

Go to the library and check out Dave Ramsey’s book! Check him out on the internet, listen to him on the radio, attend a class at church, or watch him on television. He will get you motivated.