My husband and I have 4 credit cards we would like to pay off. Other than following a budget (which we already do now) I am not sure what other solutions we have at this time. They were started in order to pay for a business opportunity that has not started paying for its self as we had expected and may never do so, We have a mortgage on our house that we are still paying for although we have paid over half of it off, a truck payment. I am going back to school for my bachelors degree and have started accumulating dept for this (GI Bill %100used for my spouses education) and now we have an addition to our family that will add to our financial burden. I feel we need a solution that will help immediately along with the long term plan already in place. What would be the best route to take?