I am 26 years old with 20,000 credit card debt 25,000 school loan i leased a

[Devaughn]

car for 474 a month? i have not fallin behind on bills but a pay minimum my principal balances on 5 crecit card does not seem to go down due to interest finance charge i dont want to pay 30,000 in interest over 20yrs for this debt im thinking about filing bankruptcy i cant consolidate what should i do i wish i was never given credit cards at 18 i under stand no one forced me to use them and i am responsible to pay but this a the united states biggest scam credit cards should be abolished if i only knew then what i know now