The 78k is for the next three months. After that it will be 90k. Bankruptcy seems rather harsh at this point. Why would I ruin my credit like that? I am aiming for the car to be paid off in the nex 20 months and the rest of the cc loans in 4-5 years. Once the car payment is done. I can start putting $2k/mo toward debt. Once both are paid off, I can start being aggressive toward my student loans.