With banks tighting up on credit a loan would almost be impossible unless it was a home equity loan. I started paying anything extra I had five dollars ten etc. It takes a long time to pay off credit cards you didn't charge them up overnight and you can't pay them off that way either. Patience is key here, I had 40000 in cc debt at one time and not a lot of extra money to pay towards debt, 4 years later down to 8000 just by paying what I could. Each time one cc was payed off I put that amount towards the next one and now I'm up to 600 a month extra and should be debt free in July 2010.

Lee:

What helped me was sitting down and writing out our income and expenses, no cheating here.  Once you have it in writing it is a real eye opener and will also give you a starting point. 

Yep, and write it down in ink.  Or as I do type it up!!!

1.) Baby Step #1: Emergency Fund $1,000 (fully funded 01/25/08)
2.) Baby Step #2: Beginnning Balance 01/01/08 $78,492/Current Balance $25,392

Paid Off $53,100 in debt since January 2008!!! GOD IS SO GOOD!!!