Your CC balances are not that high, so as others have stated, I would try getting a loan from family to pay them off and stop the interest. Every bit counts and you might be able to reduce your car insurance payments by shopping around. I had student loans as well, and $200 a month seems high for that loan amount. There are programs available where you can consolidate the student loans into one smaller payment.
Do you have weekends free? There are a lot of odd jobs (lawncare starting in spring) you could do on the side. The Internet provides a wide range of income opportunities.
You're posting on this forum, so why not get paid to post on others. There are forum owners hiring posters every day over at Digital Point Forums. It's not big money, but it can add up. Just use your imagination.
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