Well, talk with credit counselor man didn't go as well as I had hoped. He can help with the long-term stuff like reducing my interest rates and the length of time it takes me to pay it off. BUT, the amount of my monthly payments wouldn't be changing. It would be just one payment instead of 7 which would help, but I was really hoping he would get it to go down so I could afford it.
I'm definately needing a second job now. I can not pay my bills on the crap I make right now.
Side note: I also had my thousandth visitor to my little corner of the world. I don't have time to go investigate who/when it was right now so I'll do that later tonight when I have some more time.