i would avoid those "so called" non-profit debt consolidation programs. i think maybe 1 out of 100 of them are non profit nowadays....bad dealings. although some may have good experiences with them.
anyhoo, suze orman once mentioned a very simple way to pay off credit cards. gathered up all your expenses and look at what you have left over to pay the credit cards at the end of the month. gathered up all your credit card bills and arange them from highest interest rate to the lowest. look at the minimum payments for each bill, add them up, and see if you can afford to pay the minimum for all those. if you can...GREAT!.....if you have a little bit left over to pay more of the credt card bills, then apply what you can afford to the one with the highest interest rate so that that will be paid off teh fastest.
if you cannot afford to pay the minimum for all the cards, then focus on paying off teh ones with the highest interest rates. she pointed out that c/c debt are unsecured and there is nothing really that they can take away from, unlike a mortgage.
this process might take a long time, but .....
if there is a way for you to transfer balance of a high interest to a lower one, then you should probably start there.
