It took me three years to pay off all of my debt, but it was sooo worth it. LACCC counseled me and contacted my credit card companies. A monthly payment was set, and every month, I went to the 7-11 and got my money order for $300 and eventually paid off around $15,000. I sleep better at night. I just have to remember, if I can't pay for it, I probably don't need it, or I really cannot afford it.