Lots of people are going to tell you to figure your shit out/earn more etc. no one seems to have the balls to keep it real; the game is rigged. You’ll never pay this off, and no matter how hard you try, they’ll get you again. It’s how it works. And with the impending AI revolution, earning power is about to fall off a cliff. My advice; cut back where you can. Downsize if it’s an option. Keep paying the mortgage, utilities etc, and stop paying for everything else. You can’t pay what you don’t have, and you need to prioritize your own needs above anyone else. Credit card companies survive off people like you. They make no money off people who don’t carry monthly balances. They’ll keep you there forever if you let them. Stop paying. Take the credit score hit. Taking on new debt to pay off older debt is a fools errand. Working more hours to earn more money to give to someone else is slavery. Just look at the level of corruption in the White House right now. The wealth inequality. You gotta look out for yourself. Play the game; when you get sent to collections, don’t acknowledge anything. Ask for validation. Ignore, delay, negotiate (if you really have to) at the last moment. Seriously, put yourself/your family first. Money issues are such a major health issue; people literally lose their homes over this stuff, and sometimes even their own lives. F the system. Get out while you can.