Getting back on the right track

Stressed , Iowa

I don't know if anyone even looks at these... I'm 27 years old and I have been struggling with debt for most of my life. I was one of those dumb kids that decided to get a credit card when I was 18 thinking that one day I will just pay it back. Well... I'm sure most people are aware of how this story goes. I don't have any kind of sad story as to why or how I am in this position other than just stupidity and naivety. I didn't finish college although someday soon I hope to go back but I've just been trying to get all my finances sorted out so I can feel like I can accomplish something. Debt is probably the second thing I worry about next to death. I would like to not be able to worry about money anymore and what bills I need to pay and if I will have enough. One thing I do know is that if I ever get out of my current situation I do want to do some type of humanitarian work. I have so many things I would like to do and helping those who are need is at the top of my list. If I could take care of myself first then I would be able to help others. So, I'm not disabled or have any sort of ailment, no children to take care of.... Just a single girl that is trying to get back on the right track and live the life that I was supposed to live. I've already taken steps a couple of years ago by cutting up those cards but with the interest rates and the monthly payments I feel like I'm never going to get out of it. By all means there are others that are in more need... but if I could get my situation resolved I would be able to help out and spread the wealth. Thank you, Heather