Totally losing it, help
I am 22, made the biggest mistake of my life by thinking 'oh I can just pay it later' and kept putting everything on my credit cards. My mother also asked me to open credit cards because she couldn't. (Not her fault, it's on me for spending money I never had).
Anyway, I am about $11,600 in credit card debt and I want to pay it all off asap before my mom finds out. I currently only have a part time job but am actively looking for a second job. (I just applied to 5) I am looking for another part time or full time at this point, anything.
My credit is shot and I just need to know what I should do beyond this point. Should I pull out a loan and use that to pay back the biggest chunk of it or just wait until I find another job and use that money to pay off everything. I live in California and every job I have applied to is about $20/hr as they are all fast-food jobs.
Please someone help me out here.
I know I have messed up, if I had a time machine to tell myself to stop I would do it in a heartbeat.
Thanks.