Really need financial advice.. Please help.?

Hello, okay. I’m 24 years old and have a credit card debt of 15,000 that is taking over my life. I don’t have that because I’m a crazy shopper or careless with money.. I never buy myself anything or spend more than $10 on myself because I can’t handle the guilt. My parents had me put a medical bill on my credit card when I was 18 and because its Bank of America (crooks) and interest rates are crazy and I was in college, etc.. I still have it and its taking over my life. I can’t afford to have rent, make those payments, and still have enough money for life and my personal needs. I graduated from college but because our economy is so great, I can’t get a full time job and I can’t afford grad school yet.

I’ve tried talking to them and they won’t lower the interest rate (which is over 20%) even though i make all the payments on time and I always try to pay over the minimum payment ($500). I’ve tried to get a loan but I can’t get one for some reason.. and I my family can’t afford to help me at all cause they themselves are kinda screwed financially. I don’t have the option of living at home and I don’t know about any other ways of getting out of this.. I feel trapped and I’m really getting depressed about it because I can’t even enjoy myself without feeling horrible and I can’t even buy crap at the supermarket I want because i can’t afford to.

I’m a waitress right now and I make about 500 a week.. and its not covering all my bills. My bills include that credit card, my car, car insurance, medical bills, rent, electric/cable etc.. I’m excellent with money and great on a budget but moving out put me over the edge.

I’m hoping someone out there can think of something I haven’t. Thanks

No motivation (teen, highschool and work)?

Hi, I am almost 18 and I am in high school and I am working a 20 hour a week job.

This year my grades are going down and I have no motivation and I just escaped from an every other day attendance cycle (sort of). When I wake up in the morning I have become so tired that I forget to get dressed/ready for school, or my backpack, or pens and pencils. This is happening quite often. On days I stay home it is because I didn’t do my homework that was due that day and I do not want to get another zero on it.

When I stay home my mom usually calls me from work and its either I make the house spotless or I lose my car keys (sounds reasonable to me). I avoid going back to sleep because then I will not wake up until 3 those days.

I have the job to pay for my car insurance, gas money, snack/food money and school supplies. My mom would pay for this stuff, but I do not actually see her too often since she isn’t home too often.

Before I go to work, sometimes I will start to have slight panic attacks (not so bad anymore) because I am dreading it so much. I work as a cashier for a wholesale club. It’s in my opinion one of the better jobs somebody my age can get. The other cashiers are pretty friendly and I get along with them okay. Cashing people out for 4 hours straight though gets extremely boring which is what causes the panic before work. I work about 30 minutes away, so normally I come home from school, get changed, stop through a drive through and go to work. After work, I may stop through another drive through, or more likely get some snacks from a supermarket or something. When I get home all I want to do is listen to music and go to sleep which leads me to procrastinate and stay up until 11 and then not to my homework either.

I do not want to quit my job, because without it I would not have money for snacks, hobby stuff or school supplies. I want to keep my 20 hour weeks too so I can actually have a comfortable amount of money every week.

What I do not want, is to keep going down the road I am going. I want to snap out of this and get some motivation to do stuff again.

How can I get motivation? (Please, no friends, spiritual or hallmark advice either)