Forum on student credit cards
If you cannot cut your budget any more, you may look into picking up additional work or selling unnecessary big ticket items (like downgrading to a less expensive car). After you have a handle on your budget, develop a routine of slowly paying down the debt on your credit cards. Make more than the minimum payments on the monthly statements. Continually paying only the minimum payments means that most of what you pay is going toward interest paid to the bank. You will actually start chipping away at the balance, when you make more than the minimum payments.