Hey everyone... I'm 20 years old, and when I was 18 I thought I could handle having a credit card... but I was wrong. So I messed up, went over my $500.00 limit by missing payments, and now I'm consumed in interest. I know it's not a lot to be $500 in debt, but I am sick of paying the same payment over and over again because of interest. I can only make small payments since I goto school full time and work part time. I'll pay $30.00 or so, and then by the next statement I'm over my limit from interest again. I dont know what to do. I don't have $500 just to pay it off. Any advice?
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