Thanks OceansEve, you have lots of good suggestions.
My bf does work two FULL time jobs, one 5 days a a week 1st shift and the other 6 days a week 2nd shift. None of the credit cards are in his name because he has no credit and has tried opening cc's but has always been denied. Great suggestion, but that won't work unfortunately. I am still on bed rest until this baby comes too, so working right now isnt an option for me.
I submitted my FAFSA this summer, in the end of July I believe since I am going back in january '09, that was when you could start submitting applications. When I have tried to look online, it just says it has been recieved. I have no idea about the stafford loan I applied for though.
Does anybdoy thikn it would be wise for me to apply for a loan at my bank? (if I would get approved?) Either student or unsecured? I could use that money to pay off the cc's, and I am sure the interest would be a LOT lower, ans it would be easier for us to make large payments to one loan, instead of a little bit here and there on 4 credit cards? I think last time I checked, I could get a unsecured loan for something like 12%, and we are paying 20%- 30% interest rates on our credit cards now. (yeah, ouch)
We do structure it so every check had assigned bills to it.
First check of them month, car insurance, car payment, credit cards.
Second check of the month- rent, phone, cable, internet, satellite, electric. If we have leftover $ from the first check i have been paying some of the bills early, like electric.