I just feel like it's too much... that we'll never get this $40k paid down.... We consolidated half into a loan that will be paid off in 4 years and then the cards immidately cut our credit limits and closed accounts. Now our score is worse than when we started and we still have heavy debt and no credit relief. We also pay so much a month in payments that we have very little for the life surprises. I feel done... like it's too much and I can't get ahead. I feel overwhelmed and a failure... Sorry to dump but this seemed a safe place to be perfectly honest.