I am so sorry. Unfortunately, I do not have any advice for you, but I do want to let you know I have been there too.

In college (and of course, credit cards companies love to give cards to college students), I ran up tons of credit card debt that continued into graduate school. In graduate school, I can at least say some of the expenses were things I needed, like textbooks, but most of the expense was bipolar manic shopping spree stuff.

When my husband and I got married (he luckily had pristine credit), we consolidated all the credit cards under the lowest interest rate we could find, took out a loan (which still had a lower interest rate than all those credit cards once initial terms expired) and paid off the credit cards in full.

I still have 2 credit cards, and so does H. But we pay them off in full each month and never carry the balance over.