at the beginning of the month I posted community.livejournal.com/debt_support/40880.html and just wanted to let everyone know that I took the best advice and paid off all my debt with my taxes. Since then, I have started a strong savings account (I was able to save $300 in less than a month), and a ton of weight lifted off my shoulders. I have started using my credit card responsibly (I only charge $30 and pay it off right away), and feel great about my future and everything coming up (including moving!). I just wanted to thank you all for your help and advice. It really made my life a lot better.