We're a newlywed couple who have had a hard time starting our life together. Only one of us has a job and its so hard just to get through each month without going under. We've had to resort to credit cards to fill the gaps at times (not extravagant spending sprees!). There was even a time the bank wouldn't give us a loan for a used car (because it didn't cost enough to qualify, but it was all we wanted to spend), but they offered us a credit card that would pay for it. So now, we're in $10,000 of credit card debt and have no extra income to really pay them back. If you could help, even a little, we'd be so very appreciative. Thanks for your blessing.