I had a out of pocket dental expense of $1,000. I had it saved, but when I went to the dentist they discovered something else, and I have to pay another $1,000 next month. Without credit cards I would be doomed, so thankfully I will get the services I need and also reward points. However the big problem is my annual student loans, and CC debts which is almost 3 times my income. I have worked much overtime and done all that I can to pay what I can, however the income is the problem. I have tried finding a better paying position but my skills are lacking, and the lack of opportunities in the present economy is not the best. My skills seem to translate to jobs paying up to $30,000 a year for the most part. Transferable job skills, adaptive job skills, and such may not mean as much as they did in the past when the economy was stronger, or when I was living in a different part of the country. Hearing a sermon recently by a pastor it would appear my financial debts is a thorn, and not a trial. Everyone has a different thorn, but mine appears to be this. What do you say? Erwin Lutzer just suggested I pay what I can as thats the best that can be done until God opens the door to a better paying job.